davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I disputed this {$300.00} charge of XXXX XXXX XXXX in the month of XXXX, and in the month of XXXX it was reapplied citing that after XXXX months investigation I will get a permanent credit. I did try to contact XXXX XXXX at XXXX, PIN NO. XXXX, but everytime I call him/her, it goes on voicemail. She was the one from whom I received the letter on CFPB and she is not standing by her words.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (IL)

I paid 4 Medical Collections on my credit on XX/XX/2019 to Convergent Healthcare Recoveries , Inc via phone with 2 different debit cards that is from my 2 Credit Union Accounts. They informed me they was going to report my payments to the bureau. When I pull my credit report through XXXX XXXX I noticed that they was on my credit report, in which they wasn't on their before. I paid the collections as soon as I got the letter so they would not hit my credit report. But as soon as I paid them, they reported me to the credit bureaus as if I never paid. I called them back to discuss why was it showing on my credit report 30 days later and why haven't they sent me a receipt and the collection representative told me they don't send receipts, I will have proof that its paid when I check my bank statement and its not on my credit report. I see the 2 Charges taken from each account for the 4 collections, but they still reported me and 30 days later my credit report is not only inaccurate, but that too my money and is telling me it will take up to 120 business days. Whats worst is the collection  reps acts secretive as no one likes to give their names at Convergent Healthcare.  They only become rude and hangup on me. I feel like I was not only robbed but they are reporting bogus information on my credit report. 

Collection 1 - {$66.00} ( Paid With XXXX XXXX XXXX ) Collection 2 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 3 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 4 - {$250.00} ( Paid With XXXX XXXX XXXX Account )
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 opened home refi with B of A XXXX XXXX loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca I proved ALL information that was asked for. My credit was ran and appraisal ordered. I paid {$540.00} for appraisal. 
On XX/XX/2019 I went to bank to drop off a disclosure that was already signed but not dated. At that time I was told by XXXX my loan was canceled due to NOT receiving a reaffirmation letter from XXXX XXXX from our bankruptcy from 10 years ago.

1. AT no time did B of A ask me for this letter.

2. After calling my BK attorney and XXXX XXXX I was told this letter was NOT used in XXXX and there was NO way to get it because I can't generate something from 10 years ago. XXXX XXXX told me they would give B of A verification that all my payments were made on time ( never a later payment ).

3. B of A told me they could not payoff a loan that was not on my credit report and there for MUST have this reaffirmation letter.

4. I want to be refunded my appraisal fee of {$540.00}. 
I think B of A is NOT following proper mortgage laws because to date I have not received anything from B of A telling me why my loan was canceled. I think B of A should NOT have started my loan because XXXX saw my credit report upfront and I told him about the BK from 10 years ago. If B of A wants to require a form that does is NOT used in XXXX then they should NOT take these XXXX loans. 
I talked to Mortgage manager XXXX XXXX XXXX XXXXon XX/XX/XXXX asking for refund for appraisal he told me he would ask his boss and call me back NO later then 72 hrs. I waited a week and no replay. I sent him email yesterday still no reply. Thank you
Consumer complaint received 2019-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I have been paying a student loan to Navient for some years. A couple months ago the payment amount auto drafted from my account went from XXXX to XXXX without notice. I called and was told that the loan repayment plan had expired, and the payment would soon go to XXXX. I told them I could pay the XXXX but not the XXXX and was told they payment would be XXXX. The XXXX was drawn from my account for XXXX and XXXX. In XXXX I saw in my bank account they were deducting XXXX. I called again and was told there was no agreement to change the payment and it would be XXXX now. After being on the phone for some time I was told they would put my loan on hold until XXXX and send me an income sensitive repayment form to complete. On XX/XX/XXXX I received another email to my account saying the payment would XXXX due XX/XX/XXXX. On XX/XX/XXXX I received another email saying the payment would be XXXX due XX/XX/XXXX. I submitted the income sensitive repayment form on XX/XX/XXXX. On XX/XX/XXXX I receive notice that my account was past due XXXX and I needed to pay XXXX and XXXX payment of XXXX. There is no way to plan finances when Navient changes my payments without notice. I want to pay my loan back but can not manage when they change my payments over and over.
Consumer complaint received 2019-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I opened a XXXX account in XX/XX/XXXX or XX/XX/XXXX. I used it on a number of occasions with my current cell number. Never had any issues. A friend was buying one of my designer purses & I told her to just XXXX me the money when she got paid which was this past Fri. ( XX/XX/XXXX ). By Saturday ( XX/XX/XXXX ) I still hadnt received the payment but it said it processed on her end! I called my bank & they couldnt help stating that my XXXX /bank acct wasnt the issue but my mobile # was inactive. We thought it could be because I received a new debit card & XXXX didnt have it! I tried loggin into my XXXX acct the same day with no luck! I then called XXXX on the XX/XX/XXXX & explained I had a new debit card, couldnt access my XXXX acct & my money my friend sent the day before is missing! The gentleman typed in my number only to find out its registred to a XXXX XXXX  account! Which Ive never even had a XXXX XXXX  acct. I than called XXXX XXXX hoping they could help me & all they did was take down my info & told me my friend who sent the funds had to call her bank account! Which she did ( same day XX/XX/XXXX ) & they contacted her today ( XX/XX/XXXX ) & told her they dont know if they can give her back the funds as theyve been pulled! I called XXXX back today myself & told them this has been my cell number for over 13 years & the changes to my XXXX account & connecting them to this so called XXXX XXXX acct are all fraudulent! I told them Id give them my cell phone bill info as well as my bill & probe the owner to this account never had such a bank acct & to please close this person down as what there doing is illegal! They refuse to help! Im lost as I do not work & I believe this is being done by an exfriend who has done other malicious things to me out of spite & jealousy! Is there anyway to help?
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (CA)

XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

XX/XX/18 I filed a preliminary complaint with CFPB because Navient failed to send me notices about the status of my loan and I did not find out there was an issue until they posted late status information on my credit. 

I provided documentation proving that I was in school the year prior under which circumstance my loan should have received an in-school deferment for a period a few months since it was a summer term and subsequent to that I still had the option to go into forbearance. Navient applied the forbearance and brought the loan current, so instead of my account being in repayment status the first quarter of the year I did not have a payment due until XX/XX/2018. 

Several representatives have argued that they brought my account current, but they will not remove any late payment entries. I tried to explain to them that backdating a deferment or forbearance is fundamentally contradictory if they are not going to remove the late payment entries, because by approving the deferment or forbearance you are essentially moving the due date and saying that you don't have to pay your loan back now. By Navient refusing to remove the late payment entries on a borrower 's credit they are penalizing them for missing the old due date, compounding the interest, and setting a new due date that says you didn't have to pay it. 

What's more is that my loan was transferred from Sallie Mae to Navient and what upholds the validity of the debt through the transfer are the terms of the master promissory note. It was Sallie Mae 's practice to remove any late payment entries on a borrower 's credit if they approved a deferment or forbearance. This wasn't a matter of altruism, but rather a fiduciary responsibility to comply with the law. Section 623 ( a ) ( 2 ) Duty to Correct and Update Information.

Denial of a deferment or forbearance would be justification or not updating a borrower 's credit report ; however, approving a deferment or forbearance says that Navient has elected not to enforce payment of debt. Reporting a late payment to the credit bureaus is an debt enforcement action which is in direct conflict with approving a deferment or forbearance. 

This does not just impact me, but hundreds of thousands of borrowers and I believe this is yet another egregious misinterpretation of the law and their responsibilities to its borrowers. This is an argument I believe is worth being heard before a judge, but it would exemplary if Navient would just re-examine this practice and make a change on their own without having to be sued.
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

XXXX ( formerly XXXX XXXX XXXXl ) submitted an escrow analysis for XX/XX/XXXX that duplicated insurance amounts for the house. I spoke with their insurance department on XX/XX/XXXX who admitted their error. Since then they appear to be unable, unwilling to do a corrected escrow amount. Here is a record in a copy of correspondence to them. I also spoke with them yesterday ( XX/XX/XXXX ) but got no response or resolution : Happy XXXX XXXX, I am writing out of frustration due to an unresolved issue. When my account was transferred from Guaranteed Rate to you this past year, your company double booked the escrow required for insurance. This resulted in a over statement of the XX/XX/XXXX shortage AND payments for XX/XX/XXXX, resulting in a 13 % increase in my monthly payment. I have been trying to get this resolved for nearly two months. In the interim, I have paid the new payment amount in good faith. 
Here is a record of the attempts I have made with XXXX XXXX since receiving my escrow analysis in early XXXX : XX/XX/XXXX - confirmed the appropriate insurance amounts and payment with my carrier, XXXX. 
XX/XX/XXXX - called your insurance division and spoke with XXXX, who confirm that there was an entry error on the part of XXXX XXXX which she would correct and forward for a new escrow analysis. 
XX/XX/XXXX - follow up call to CS rep Ms. XXXX at XXXX XXXX. I was told " these things take time '' and I should check back in a week or two. 
XX/XX/XXXX - follow up call to C rep XXXX who advised nothing had been done although she saw a note about it in the file. 
It is XX/XX/XXXX and the lack of response or action on this is beyond my understanding. Is there someone there who can help? 
XXXX XXXX XXXX XXXX My call to them on XX/XX/XXXX was also unsuccessful.
Consumer complaint received 2019-01-09
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (TX)

I have disputed that there was no late payment in XX/XX/2018. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.
Consumer complaint received 2016-06-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (NJ)

Credit Collection Services has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Consumer complaint received 2019-01-09
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: EQUIFAX, INC. (PA)

I have complained to Equifax about the following inquiries several times. These are NOT authorized. Their investigation is general very quick with a response that they are a factual part of a record. However, I did not at any point authorize dozens of inquiries. I'm in active chapter XXXX bankruptcy and am not even allowed to apply for credit. Numerous complaints and calls to Equifax have gone unanswered and they have never at any time provided proof that I authorized the inquiries listed below. Per the Fair Credit Reporting Act I would like these removed ASAP as they are detrimentally affecting me and they are not authorized. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-01-05
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have student loans through Navient, I believe they are federal student loans although I am not positive. It is proving impossible to get any information from the company. When I first started working after college in XXXX / XXXX I reached out to Navient to discuss payment options. They put me in an income repayment plan that was described to me as having a low monthly payment made up of both principal and interest. At the end of each year I notice that my balance has not been reduced. Looking a the monthly payments they are almost exclusivity made up of interest payments, taking nothing off of the principal balance. Whenever I reach out to Navient for information on the plan or to discus the other payment options available to me I get bounced around from person to person. No one can provide me with a clear answer and no one can explain the principal to interest ratio of my payments. They are misleading and unhelpful, you can not even find an account statement online.
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

I received a Notice of Collection dated XX/XX/XXXX from PennCredit Corporation regarding Creditor : XXXX XXXX XXXX  ( ID # XXXX ) in the amt. of {$240.00} for a " delinquent utility bill '' - Service date : XX/XX/XXXX Account : XXXX. This debt is not mine and this company has violated my FDCPA and FCRA rights : # 1 - I have not lived in MD, nor had an account with XXXX XXXX since I moved to another state over 11 yrs ago. 
# 2 - I have not owed property in MD since I sold my townhome almost 5 yrs  ago. 
# 3 - Finally, PennCredit 's website indicates they report to the Credit Agencies and is a member of XXXX, thus creating a potential long term impact on my credit score. 

I do not know if PennCredit Corp. " Skip Searched '' me themselves or if they outsourced to a Third Party with equally poor quality standards but this type of shoddy work should not be tolerated.
Consumer complaint received 2019-01-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

Four years ago a loan somehow was giving and because I may had a hardship at that moment I did get all of it paid interest build up and It went on my credit. so I get a called from XXXX XXXX he said that he is the CEO of the law office and he will file a fraud on me and XXXX stated that I intentionally had a account closed when they tried to get the money out the account. That is not true I Did not have and account close with XXXX XXXX. He threaten to have me arrested and was very smart mouth and rude and because I did not agree with him he slammed the phone and hung up and said he will tell the state that I will not negotiate with him.
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc. (TX)

I put money down on a new home to see if I qualify for a loan. XXXX XXXX XXXX is the loan service for XXXX XXXX as XXXX uses incentives on the homes only if you go through XXXX. I put good faith monies down to start the process under the agreement that if I could not make the payments I would not move forward if that is how I interpreted the loan paperwork. I gave approximate 11K down for earnest and deposit. XXXX approved me for the loan knowing that I would qualify under there expanded loan terms but I was not aware until months later about going up to 50 % of salary. I figured I was close but thought under normal loan terms so I would not default. I disclosed all of my information to them showing I am going to be backwards in the loan with showing them my expenses but the refuse to deny my loan so I can get my earnest money back. With my current non revolving expenses I am {$800.00} a month in the negative and showed my expenses to them but say it is not their problem and will not deny. please help ... My belief is this happens a lot in my opinion to keep the earnest and deposit monies.

Attached spreadsheet of expenses revolving and monthly expenses. Non predatory lenders and home builders would back out if good faith was used.
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ), credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX on XX/XX/2018 .I have not informed or recalled of any association with these company. I have contacted XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My mortgage is in active foreclosure. With the assistance of my attorney I applied for a loan modification. After submitting all of the documents requested the application was denied for insufficient income. The income that they used to review the loan was incorrect. They calculated the gross monthly income to be XXXX. We appealed the decision and enclosed proof that the monthly income was actually XXXX per month, not XXXX. The application was immediately denied again simply stating that they are standing behind the original decision.