davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I Applied fir loan modification on X/XX/17 first I was told I did not qualify for any programs because I have a up side down loan a rental property and a investor backed loan then a different person came on and told me they had a new program called flex modification I could use but I would have to be 60 days late to use it and they sent it to me by mail and on line on XXXX / XXXX / 17 I called with a question on the paper work and she told me my account did not qualify for any modification I could fill out paper work but it would not do any good I have XXXX XXXX and this news greatly affected my condition I thought there was hope after being turned down several times that I could get out of my XXXX XXXX questionable loan that was 10 year interest only until XXXX 2017 then it became a p & I loan that adjusts every 6 months and just went, up over 600 a month with payment and up keep I am paying out of pocket and as rates continue, to go up things will get worse I need the extra income to cover expenses mislead by by Nationstar
Consumer complaint received 2017-06-21
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: Professional Credit Management, Inc (AR)

upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last 4 years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (PA)

Company made 4 calls to my cell phone without leaving a message. When I called them back, the debt collector that answered talked over me as I told him that he now needed to send me a dunning letter as required by the FDCPA. He refused to do so claiming that he needed my personal information first.
Consumer complaint received 2017-06-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (PA)

Over the course of the last few months I have been working with a housing counselor to modify my mortgage with Sun trust. Since then my loan modification has never been properly processed by the lender. Every time I try to submit documentation in a timely manner the process gets held up or is not reviewed within an ample time frame. I continue to call for updates to the file to no avail. Sometimes the excuse is that the proper forms were not submitted so again I review and send in whatever documentation they are requiring. After many attempts both by myself and with a housing counseling professional these issues continue to happen and the file gets either pushed back or denied due to issues of delivery. Sometimes they claim the file must be submitted either by pdf. format or by only XXXX pages total through the Suntrust loss mitigation email portal. I have tried every which way to submit accurate information in a timely manner only to hit a wall with the processing department and their lack of getting back to me in a way that can resolve the issues I 'm having. The forms I have submitted are accurate XXXX forms all pages and a third party authorizations as well were submitted. I have been dealing with the same problem for a very long time and I want to get some external help in resolving such detrimental issues. In addition to these setbacks the mortgage company also has changed the point of contact like XXXX to XXXX times over the course of the loss mitigation process. Also they been reluctant in the past to give me a better rate and term on the loan. The escrows have always been included in the payments and the overall values of the property have fluctuated immensely over the last couple of years yielding inaccurate information on property value. I have tried numerous times with failed attempts to try and resolve these issues with Suntrust bank. The interest rate has always stayed the same interest only and they have never tried to put me into a more fixed conventional loan that can get me into a better loan.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureau is reporting three accounts on my credit that do not belong to me. Two of the accounts are under the company " XXXX XXXX '' and the third account is under the name " XXXX XXXX ''. The account numbers are " XXXX '', " XXXX '', and " XXXX ''. I have sent disputes to delete these accounts from my report on XX/XX/17, XX/XX/17, XX/XX/17 and nothing has been done to properly address my concerns. I have only received generic letters from the bureau telling me the information has been verified and that I need to call these companies. I am filing this complaint because I have already spoken to these companies and they can not pull up records that match my personal information. The credit bureau is placing other persons ' accounts on my credit and it is most likely due to my common name. I am not the XXXX XXXX who opened these accounts, I do not have unpaid debts with these companies and I have never received any bills or mail from them in the past.
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OR)

Company closed my account after 15 years in good standing. This adversely impacted my credit score. I attempted to reopen the account and they denied the request due to my credit report ( which was damaged as a result of their actions ). Very poor customer service as well.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union has taken money from my savings account to apply to other credit accounts I have with them. They are refusing to return the money to my account. Per the law 12 CFR 1026.12 ( D ) relating to Offsets. Credit grantors are not allowed to perform such actions. Regardless of what is written in their disclosures. They can only hold if it is written in a security agreement. Not take and apply to the delinquent account. The dates are XX/XX/XXXX for {$61.00} and XX/XX/XXXX for {$12.00}. After informing them in a phone call with representatives and a supervisor in collections. No resolution could be reached after I told them that this practice is illegal.
Consumer complaint received 2017-06-22
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I received a credit report notification that a new collection account was added in the amount of {$4000.00} from a company by the name of ConServe. By my own research ConServe collects debts on student loans or past due/default accounts. I am very confused because ALL of my student loans are consolidated with the Department of Education and I am currently paying through XXXX XXXX which is a company affiliated with the Department of Education. I have placed a call to XXXX XXXX and they have not received ANY information about ANY additional loans being added to my account, ANY outdated payments due to ANY Universities or Colleges or me not paying on any other loans nor owing any other university. Second, I am and will dispute this collection to my credit report because I was NEVER notified by this company by regular mail, certified mail or telephone also per XXXX XXXX I am NOT in default on my student loans. This company did NOT give me an opportunity to accurately investigate or dispute any alleged debt prior to placing it on my credit report. I was unaware of the debt so I have not directly contacted the company but I am sending a letter TODAY ( copy of letter attached ) by certified mail disputing and requesting ConServe to validate ANY alleged debt that was placed on my credit report. Lastly, if or when the validation is received I will have the Department of Education ( XXXX XXXX ) look into it along with contacting the actual original creditor and have the them handle the alleged debt. I DO NOT wish to do business with ConServe under any circumstances which is my right and the negative information needs to be removed from my credit report as soon as possible.
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MO)

My house is in foreclosure with a sale date of XX/XX/XXXX. This is the second time the bank is doing this. The first time after receiving a letter from your office explaining that I was in the middle of Loan Modification, They relented and allowed me to finish my Loan Modification. I was approved as of  XX/XX/XXXX. Since XX/XX/XXXX I have been paying the monthly mortgage amount and receiving statements from them. They are claiming that I did not sign certain documents so they are foreclosing on my house. The following are my issues with them : 1. I received a letter that I was approved for the loan modification in XX/XX/XXXX 2. I have been paying every month since then 3. Although they said the sale at the first foreclosure sale was " rescinded '' my name was never put back on the property, I therefore could not get insurance for the house. 4. I did not sign the documents because I did not understand them. I was n't clear on getting my name back on the property and did n't understand what the " balloon payments '' are. 5. I called many times to get clarification and no one ever returned my calls. 6. I am in bankruptcy.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

So I have to complain about coinbase.com / XXXX transaction. On XXXX XXXX I transferred some money ( about {$2000.00} ) from my account at coinbase to my XXXX XXXX XXXX account. It was supposed to be deposited and available for me on XXXX XXXX. But money did not show up. Coinbase transaction shows as completed while the history of transactions on their won site shows that its " pending ''. Which one is true? Further, I contacted customer service via their customer portal on XXXX. There is no response, not money. Being a monetary service I expect coinbase to keep the word and make the amount available. Keeping their customers waiting indefinitely without any chance of getting customer support is despicable.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXX if the following 3 accounts are not deleted by XX/XX/XXXX. I have already waited 6 months!! XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ARS ACCOUNT RESOLUTION Account Number  XXXX
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my second time reaching out to Experian, XXXX, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting Experian to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting Experian to BLOCK the reporting of this account from being reported and resold by debt buyers.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX  XXXX XX/XX/XXXX Loan # XXXX - Santander Bank Dear Sir or Madam, I have contacted Santander and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to Santander and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by Santander states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the Santander Bank NA formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position.
<P/>
Please inform XXXX, XXXX, of this change. XXXX has already complied with my request. Many thanks for your help.
<P/>
Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies ( experian,   XXXX   and   XXXX   ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) fro m my credit reporting agencies.   i would greatly appreciate
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Razor Capital, LLC (GA)

I started getting advertisement from lawyers about taking on my case and filing for chapter 7 or 13. I did n't know what was going on until I looked up the state court case with my name on it from Razor Capital on behalf of XXXX XXXX, suing/garnishing me for an old business account in which the bank is closed ( shut down ). I do n't even remember the debt.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

Please pull the phone records for a conversation that took place approximately XXXX XXXX XXXX. I  had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months grace period after graduation. So I called in because I had just graduated 3 months prior. The representative told me that I was correct and that you guys start sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XXXX XXXX XXXX I  waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I cant get a decent rate on my car loan, and my credit score has been brought down to the XXXX 's solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals then automatically get rejected too. I have called in and talked to Fedloan customer service additional times and they told me to keep submitting more disputes ; which I have to no avail. This is ruining my life. I have been experiencing constant stress, imbalance in my relationship, a feeling of financial insecurity, XXXX, XXXX. This is not fair to my human well being and a direct block of the American dream. I have attended college for 7 years straight full time and got a good career and I have had my Fedloan student loans as well as ALL of my other bills set to Autopay ( never missed or late ever ) and yet I am rejected for a home mortgage and can not move forward in life. Please help me CFPB! Please do n't let them continue to ruin my life! <P/>-XXXX
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (LA)

I recently applied f or FAFSA after 13 years of being out of School. I noticed that I had and subsidized loan listed out with Navient per the FAFSA website  which is correct because I am making payments.   XXXX  I contacted Navient and they stated that the lo an is Unsubsidized but ha ve not presented proof. I called on yesterday and was repeatedly told the loan was unsubsidized. I called today and was told that navient would contact  XXXX   XXXX  and provide me with proof that the consolidated loan was unsubsidized. Navient charged me interest on a loan that was deferred and subsidized.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (VA)

On Tuesday XXXX XXXX, XXXX I checked my bank statement and notice XXXX was missing from my joint checking account. I later discover that a unauthorized payment was made to navy federal rewards cards. I immediately called my bank to find out what was going on and was eventually connected to the collection department. The employee told me that they were covered under a security clause to take a payment if funds were available in a different account and that I waive my rights every time I swipe my card. When I questioned the validation of this policy I was told I would get an email that never happen! Finally the department agree to do a reverse payment within 24 hours. On XXXX XXXX I checked my account to see if the money was back in my account, unfortunately it was n't in there. We are a family of 5 going through tough times. I ca n't afford to have the credit card company take what they want from my joint checking account.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (GA)

On or about XX/XX/XXXX, I, the Consumer, was made an offer from American Express Gold ( AEG ) Credit Card ( CC ) ; Subsequent CC was approved on the above-mentioned date and rushed delivered. After 30-days of usage and 'timely paying in full ', I made inquiry into the Credit Reporting process. Subject Credit Card Merchant informed they would make credit reporting available for subject card after 2-billing statements have closed. Two billing statements have closed and as of XX/XX/XXXX, no credit reporting for this CC has occurred. This Consumer has 2-active open CC 's with said merchant and both are in 'good standing and never  late '. Not reporting this card does not legitmately provide accurate, correct information on the consumer 's credit report in terms of history, balance, and credit availability in a timely manner ( as promised ) ; Thereby, alternatively suppressing the Consumer 's FICO Scoring.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OK)

I received a copy of my credit report. I noticed I owed I. C. System, Inc {$510.00}. I do not have a signed contract with I.C. System, Inc. I have never done business with this company. I am not liable for collections from this debt from I.C. System, Inc. I am not responsible for this debt with I. C. System. My desired outcome is to have this deleted from my credit report.
Consumer complaint received 2017-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XXXX, XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.