davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

I 've attended and graduated from XXXX in XXXX, with what was suppose to be an accredited XXXX degree in XXXX. Only to my surprise I found out that my degree program was not accredited until XXXX, 18 months after graduation. ( A total misrepresentation ), The disbursement to XXXX for me to attend was {$18000.00} with payments to begin on XXXX ; I 've been making payments every month and on time since XXXX ' and my balance is still {$13000.00} today with Navient. I 've paid over {$34000.00} out of my pockets over the years, working various entry level jobs that was paying no more that {$9.00} - {$11.00} usd Hr. I was told and promised on may of occasions to not worry about paying my student loans because I would be making enough to pay back and maintain my livelihood ; Which was not true, because its been a struggle ever since I enrolled many years later.When will the repayment END.It felt wrong then and I feel wronged today, only because there is nothing I can do about it.I hope CFPB can reach a settlement very soon, so that I can move on with my life, and try to forget the many years of torment and threats of repaying an over priced student loan for a non-accredited XXXX degree program from the then XXXX SCAM!! featuring Navient and XXXX ponzi sceme.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (WA)

In 2007 I was really struggling with money, I could barely afford to feed myself and skipped a lot of meals. I called my student loan provider nelnet/ firstmark services to tell them I was struggling with my payments. A forebearance was suggested and no one told me that my loans would be gaining interest while they were not in re payment. I left them on forebearance for a year. When I went back into repayment, my balance had increased by {$10000.00}. I had no idea this was going to happen, I certainly would have started repayments much sooner if I knew I would increase my amount owed by so much.
Consumer complaint received 2015-06-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

It must be awful when a mortgage holder is behind on their payments and the debt collectors begin their calls, it is another matter when a mortgage is current with payments, and the debt collectors call! 
Such is the practice of Green Tree Servicing , LLC. In conjunction with, XXXX XXXX XXXX XXXX XXXX. 
As a subscriber to the F.T.C. e-mail alerts and messages, I am aware of the recent court case involving Green Tree Financial, LLC. Yet I feel the wolf just found another path to avoid the shepherd. 
I noticed some unusual new information on my XXXX 2015 statement from Green Tree Servicing , LLC. 
Principal : {$510.00} Interest : {$400.00} Escrow : {$0.00} Regular Monthly Payment : {$920.00} Total Fees & Charges Due : {$0.00} Optional Insurance/Other Products : {$0.00} Past Due Amount : {$0.00} Total Amount Due ( Reinstatement Amount ) : {$920.00} Accelerated Amount : Reinstatement Amount? Accelerated Amount? Default??? 
Then the calls started from XXXX XXXX XXXX, and it is just too bad I ca n't attach these voice mails " This is an important message from XXXX XXXX XXXX XXXX XXXX. this is an attempt to collect a debt any information will be used for that purpose, please return our call back to XXXX XXXX extension XXXX '', this message followed with me everywhere I went in XXXX, my cellphone, my home phone, my business phone, my mothers ' phone. I called in response to every phone call I received. As an somewhat aware consumer I left messages, " I am unaware of any outstanding debt, yet I do not as a practice will pay and or converse in any matter of this type without an invoice and or written statement of the debt, I am willing to work this matter out in the most expeditious method possible up and to the event of arbitration. '' I never would receive a call back, just messages and voicemail. 
It was n't until I received a letter dated XXXX XXXX, 2015 from Green Tree Servicing , LLC that the pieces fell into place. " During a review of your account Green Tree determined that your billing statement dated XXXX/XXXX/15 inaccurately indicated your account was in default and erroneously included a reinstatement and acceleration balance. " That is nice, now what other damages, errors, omissions falls on the hands of the individual? Pay to pull all my credit reports, and if there is a " blemish '' caused by Green Tree 's erroneous actions?
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (VA)

I used a Discover card for several years and finally got it paid off. I called and asked them to close the account. They said they had, but I continued to receive statements every couple months despite not using the card ( I destroyed it ). After a few months I called again and requested that they close my account. I still continue to receive statements ( just got one today ) and it 's been well over a year.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I bought my house 4 year ago. Initial appraisal of my house was at XXXX which how much I bought the house for. After down payment my initial loan was little over XXXX. In the past 4 years we have been making extra monthly principal payment so our current balance on our loan is little over XXXX. After completing some renovation and house prices going up in our neighborhood due to new constructions, current value of our house is almost XXXX which is way below XXXX % LTV. I have made multiple calls to my mortgage lender, which DITECH, including sending written request asking for removal of PMI as well as giving permission for appraisal to be completed. I have called my lender over 5 times and given different reasoning to why PMI can not be removed. Finally I received a letter from my lender saying that because we have FHA loan, PMI must stay in until it is scheduled to be removed which will be until 2018. After consulting with attorneys as well as my city appraisal as well as doing extensive research on PMI, our lender can not refuse to remove PMI if our LTV is below XXXX %. Our lender is not cooperative and refused to speak with me on this matter. I am only allowed to speak with customer services representative who keep giving me different information every time I call. At this point we have two options, either get mortgage attorney or refinance our loan. we need help and resolution on this matter at this time as all we want for PMI to be removed. 
P.S also at one point Ditech informed me that I have signed PMI agreement saying that I will not be able to remove PMI on LTV meaning if my house goes up in value or if we make extra principal payment. Well I asked them to mail me a copy of that document, and I never received anything. Because I never signed that
Consumer complaint received 2016-06-11
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: DISCOVER BANK (GA)

I received a phone call at XXXX XXXX XXXX on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of XXXX XXXX, XXXX XXXX XXXX, XXXX, phone XXXX ). The call alleged that I was named in a judgment hearing by Discover Card, for a debt that was almost twenty years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost twenty-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NC)

I had multiple federal student loans, I was advised to consolidate them because I qualified for XXXX XXXX XXXX XXXX. Before I consolidated, some of the loans had different interest rates. Once I consolidated, the interest rate was higher on multiple loans. I was in the program for 1 year, they required that I recertify my income for 2016 - because I got married and filed jointly with my wife, her income was included in the calculation. I was notified in XXXX 2016 that I no longer qualify for the program and my payment has jumped from {$290.00} to {$630.00}. That is more than double. I feel like I was given incomplete or inaccurate information regarding the program and now I am stuck with a higher interest rate and a much higher payment.
Consumer complaint received 2015-07-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I am XXXX years old and I overpaid my mortgage and they issued me arefund check with my widow 's name on it, and I told the mortgagecompany that my husband was deceased. They asked me toforward a copy of his XXXX certificate and I did, and I stillhave n't received another check yet and they received XXXX certificate on XXXX XXXX, 2014.
Consumer complaint received 2017-01-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

In XXXX, I was without XXXX or any form of medical insurance. I attended the XXXX XXXX through XXXX XXXX XXXX XXXX, a free clinic advertised to the homeless as well as the uninsured. I underwent routine XXXX for XXXX and other basic information, and was billed a few months later without having ever received notice. I should never have been billed as I repeatedly made clear I could not pay, expressly did not sign any agreements to pay, and was told repeatedly that a free clinic would not charge the patient. This was a deliberate lie that was used to trick me into a procedure. I only realized I was billed when I checked my credit reports in XXXX. The date of first delinquency on my CBS debt is marked as XXXX/XXXX/XXXX, yet the itemized bill provided states the date of care as XXXX/XXXX/XXXX.
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I closed XXXX sold XXXX my home on XXXX/XXXX/2015. Green Tree Loans was the holder of my XXXX mortgage. I attempted to cancel my autopayment on XXXX/XXXX/2015 ( when I realized the XXXX payment had already been factored into the payoff quote ) but apparently it had already been 'pre-drafted '. 
I reached out to Green Tree the day after XXXX XXXX/XXXX/15 XXXX to notify them of my new address they should use to send my me a check for my extra payment ( because they could n't remit to the sending bank account # XXXX. After not receiving a check w/in the 30-day window, I called Green Tree. They said they had shipped it to my old address. And they could n't send a new one until the old check had been cancelled. It 's now XXXX, I 've called twice to make sure my check would be sent out, and twice I was assured they were on top of it, and they would call me when the check had been mailed. Still have n't heard a word from them OR received my money back! Where is my money? Are there fees/penalties they should have to pay? They were charging me interest at 7.5 % on that mortgage, but I must wait endlessly while they hold my money interest free?!! 

Additionally, when I refinanced almost 3-yrs ago, my rate lock almost expired because Green Tree refused to work w/ my bank XXXX XXXX XXXX XXXX even though it was a no money out refinance, to a lower rate, and they had already received the subordination fee. The customer service is horrendous, and I 've felt powerless to do anything other than wait while they run me around and give me nothing but stories about where my money is! 

Please help!
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

On XXXX/XXXX/XXXX, I opened a Citigold checking account with an offer / promotion stating I would receive XXXX Thank You points within 90 days after I complete the necessary criteria / requirements. On XXXX/XXXX/XXXX, I communicated via chat with a Citi Rep. named XXXX, who did confirm the validity of the promotion & eligibility of my account whereby I recalled that I had received from Citi. I further asked XXXX for a confirmation before I would fund the account, and he did assure me. Then, on XXXX/XXXX/XXXX, I communicated by phone with another Citi Rep. named XXXX who also confirmed that the validity of the promotion & eligibility of the account, and stated I had completed all the criteria required by Citi. Earlier this month of XXXX XXXX, after confirming the validity of offer/ promotion to my account, confirming the eligibility for the bonus to the account, and affirming that my account had met the requirements, Citi has more than once refused to honor the offer asking that I would provide proof or a postcard by mail. Regretfully, I do n't keep mail around for XXXX months, esp. having already confirmed with more than 1 Citi Rep. that my account is qualified & eligible for the offer & bonus and no one from Citi specifically asked for it then of 5-6 months ago, or nothing was ever stated then about a need to keep it. 
I 'm not alone ; it appears that hundreds of Citi customers are in the same situation as me from various internet sites & forums. I certainly feel deceived and that much of my valuable time / effort have been taken. I did hold up my end of the bargain, but Citi did n't or has n't. Therefore again, I respectfully ask Citi to make it right by honoring the written & verbal promises that will award the bonus points to my account ; otherwise, I sincerely request that CFPB will further assist my claim. My sincere thanks to all.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account was opened, used and paid off by an old room mate that had stolid my ID. I have asked for it to be removed because of fraud, but they will not help me. I filed with Federal trade commissions Id theft web site last year.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NV)

I have previously made a complaint to the CFPB about Citibank not honoring their commitment to give me XXXX Thankyou points ( see CFPB complaint XXXX ) They agreed to give me the XXXX points within 30 days. of their letter of XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and they have still not given me the points even after six phone calls and no return phone calls.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DC)

I 'm writing regarding a lien which was released and withdrawn by the XXXX on myself and my wife XXXX XXXX XXXX. The lien was recorded on XXXX/XXXX/XXXX, released on XXXX/XXXX/XXXX and withdrawn on XXXX/XXXX/XXXX. On XXXX separate occasions, my wife and I requested the lien be removed from our Equifax credit report. XXXX times Equifax refused to remove such. Today I called their toll free number and was told that it could not be removed until XXXX. 
Respectively, this is unfair and unacceptable. Upon notification of the tax withdrawal, both of the other credit rating companies completely removed the adverse information from our reports. I am hereby requesting your assistance in removing the information from my and my wife 's Equifax credit report as soon as possible.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. TransUnion, specifically, is reporting late payments that i know to be incorrect and in XXXX TRANSUNION, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with TransUnion : XXXX How are you verifying these account when both you and XXXX are reporting different lates?? Tell me that?! I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX How are you verifying these account when both you and XXXX are reporting different lates?? Tell me that?! I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately!
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am re submit my complaint with Capital one Bank I have not had a Capital one Bank card. I had request copy of validation debit and the only thing I have receive statement and payment made at gram money for this o account. Until now I have never receive any paperwork or statement from this Company, My personal information has been used without my permission. I had send over multiple police and letter and fill out affidavit. I also send copy from my back account showing when I dispute an unauthorized transaction from this company. I I am sending all my paperwork also to CFPB
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 4 personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Investments on XXXX account XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have a bill from Macys that I am late on. The office sure collection department told me the XXXX due is a combination of XXXX ( the past due amount ), XXXX ( late fee ). Leaving XXXX unaccounted for. No one could tell me what the XXXX is for. When I got a supervisor when I asked for one - he supposedly put me on hold to find out and hung up on me. I want to know what the XXXX is for?
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NJ)

Dear Sir or Madam, I disputed XXXX XXXX in the month of XXXX 2016, for the amount of XXXX dollars, and after the due diligence of XXXX Credit Bureau ; it was removed on XXXX/XXXX/2016. 
XXXX had the same amount on my XXXX Credit report which was successfully removed on XXXX/XXXX/2016. 
Both accounts were for the same alleged medical bill. 
Today I noticed that XXXX XXXX, phone number ( XXXX ), reported an amount of XXXX dollars on my Equifax Credit report. This dropped my credit score by XXXX points. 
It is apparent that this is a shell game, I 'm not sure how legal this activity is. I would like this removed from my credit report immediately. 
Regards, XXXX XXXX XXXX