davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Bank cashed a check with no signature that was also post dated by a month. I am listed on the account and also have POA on the account. I have contacted Citizens Bank 8 separate times to get my mom 's money back for {$90.00} since she never signed the check. The bank was unresponsive, but most of the employees agreed it was clearly a bank error that allowed the check to cash. Citizens said the bank was presented to XXXX, so it is XXXX ; XXXX fault and they can do nothing. I made a video here : XXXX XXXX XXXX The last call was to the Chairman of Citizens Bank 's office and the record, single party consent, it on the linked video where they refuse to reimburse the account.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C. (MD)

I started receiving credit alerts from credit reporting agencies on or abou t   XXXX   XXXX   2017 reg arding negative actions. Once I researched I found a collection agency 'parked ' a medical collection to all  XXXX  of the major credit reporting agencies. The debt was for {$94.00}. Prior to the alerts I never received calls or mail notices regarding this debt. The company did not give me an opportunity to dispute the debt before 'parking ' the debt to the credit bureaus. Since I did not want the negative information on my credit file I paid the debt. After I paid the debt on    XXXX   XXXX   2017 the  company then sent me the notice of debt with the amount due and dispute language.   The company violated regulations improperly reporting the debt to the credit bureaus before notifying me and giving me the opportunity to dispute the debt.   The collection company wrongfully damaged my credit.   The collection phone # 's are  XXXX  and  XXXX .
Consumer complaint received 2017-06-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

I have a consolidated loan from Navient. The loan was consolidated in XXXX. The Principal amount was {$71000.00}. We did accept a " Graduated '' repayment in XXXX. During the 18 years of repayment, we have paid {$100000.00} in payments. 18 years later, the principal balance is {$61000.00}. Thus, {$100000.00} has reduced the principal by only {$9000.00}. We were NEVER told this could happen and NOTHING in any literature ever indicated this was possible. Moreover, it should have ended in XXXX but they keep extending the " Graduated  '' payments, claiming we called and asked for extensions. It is false.
<P/>
I only discovered this outrageous scam because I received a negative credit report that showed 90+ delinquency in a student loan payment fromXX/XX/XXXX. Even though we have made payments for 18 years ( that 's about 216 payments ) and have never been late, and even though our credit report shows over 4000 payments - - not one is reported as late - - Navient claims they emailed us 3 times asking us to read a delinquency letter on their website. We never got a single email or a single letter. We have not used the email address they claim to have sent it to in over 15 years. It still may be active, but we would never have seen that email. Proof? in over 4000 credit reports, including over 200 for Navient, we have never once been late with a payment.
<P/>
Clearly, Navient made a mistake. We asked it to fix the report, and they refused. So, while they have set up a system that no human would EVER agreed to ( pay {$100000.00} over 18 years for a {$70000.00} loan, and a {$9000.00} principal reduction ), and which was never disclosed, they continue to destroy my credit.
<P/>
please help!
Consumer complaint received 2020-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OH)

I have paid {$15.00} more a month on my mortgage payment since day 1. They can not tell me what happened to the extra money yet they claim im behind. Now Amerihome is saying i haven't paid since XX/XX/2020. Meanwhile they sent me back a check for {$500.00} saying there was no account to credit it to. However they did receive my XXXX payment, for {$590.00}, which they applied for XXXX of 2020. Now while i have made all mortgage payments and can show proof and have shown proof but i did not submit the increase for two months which was {$89.00} per month. I did send on XX/XX/2020 a payment of {$200.00} to cover the difference and the late fees. However even though they have received proof from XXXX XXXX  that all monies was sent they still say i owe them for 2 months. I have tried to work this out for about a month and a half now but they are threatening me with foreclosure.The supervisor Ms  XXXX was supposed to call me and as of today i have heard nothing. I was told by Mr  XXXX that he would remove the late fees and submit a request to have Amerihome investigate into the matter and remove their derogatory remark on my credit report to the credit bureau which damaged my credit.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (TX)

I moved from XXXX ( apartment complex ), XXXX Texas and wrote a check for the amount of {$130.00} on XX/XX/XXXX. Check # XXXX was cashed on XX/XX/XXXX. I was turned over to collections in error by the leasing company. I was not notified that I was turned over to collections until I applied for a credit card in XX/XX/XXXX and I contacted the agency and they said, yes I had collections with them. However, I was never called nor notified via mail about this debt that I did not owe. I had discussions with the collection agency that this was in error and then I called leasing company and they stated they would send the appropriate documentation. I then followed up with the collection agency in XX/XX/XXXX. Instead of deleting the account, it was closed as paid in full, but I never paid the collection agency any funds. So why would it state " paid in full ''? It was discussed in XX/XX/XXXX that the account would be removed from my credit history with the collection agency. When I applied for a car in XX/XX/XXXX, this still showed on my credit report and credit agency refuses to remove this. I have sent documents to them twice indicating that I never should have owed those funds.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Just about a year ago I finally ( with some browser related difficulty ) was able to use my online account at XXXX to obtain the first of two free credit reports. Using that site has since been clear sailing. XXXX  now offers six free reports per year as noted in an update to the FTC article at https : //www.consumer.ftc.gov/articles/0155-free-credit-reports. That squares with what is presently offered through my account at XXXX. 

CFPB may be aware that Experian now appears also to offer more or less directly, from Experian Consumer Services ( ECS ), at least one free credit report, at https : //usa.experian.com/registration/? offer=at_frsas102 & br=exp However, is CFPB aware of Experian 's Terms of Use Agreement , accessed with the link at the bottom of the " Registration '' page above, at https : //usa.experian.com/registration/ # /termsOfUse? 

Specifically, in Terms, in the first of the last two paragraphs under FCRA DISCLOSURES : " The credit report you are requesting from ECS is not intended to constitute the disclosure of Experian Credit Bureau information required by the FCRA or similar state laws. " Well! After perusing DISCLOSURES and not being an attorney, I have come away uncertain as to just what I would get if I registered as above. DISCLOSURES states that the report from XXXX is " comprehensive. '' But what, specifically, is the difference between the report offered above and one that complies with the FCRA? 

As yet, I have found no such distinctions in the XXXX Account Agreement and Terms of Use, at XXXX XXXX XXXX  or in my report from XXXX XXXX XXXX XXXX XXXX 
Yes, it is true that XXXX  offers several distinct options including " XXXX/FCRA '' at XXXX XXXX XXXX XXXX XXXX 
But, that appears to be more about the " circumstances '' under which a report is requested than it does about the information contained in the report provided. 

It would be nice to be guaranteed at each company a FREE credit report that was substantively the same as the so called FCRA report, through A UNIQUE ONLINE ACCOUNT AT EACH FOR WHICH I HAVE REGISTERED. 

Can the CFPB shed any light or, perhaps, a little force on Experian 's Terms of Use Agreement?
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

***Citicard*** Received statement in XX/XX/XXXX with a bal of {$160.00}. Called and spoke with a rep because on XX/XX/XXXX I called to request a pay off and was assisted by a rep to  make a pay off payment over the phone. On XX/XX/XXXX a rep confirmed that balance would be XXXX out ... great. Received a XXXX statement with a credit of {$52.00} with a remaining bal of {$110.00}. Called credit card co. on XX/XX/XXXX and assured balance would be XXXX out in 3- business days. Called back on XX/XX/XXXX, ( credit card due date ) and automation system indicates, " this is an attempt to collect a debt ''. Spoke with rep and once again assured {$0.00} bal. in 3-5 business days. On both XXXX & XXXX, cardit card bal continues to accrue interest. How is that possible? Credit card payment has never been late and paid off {$11000.00} to clear credit card debt.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Mr. Cooper Group Inc. (VA)

My mortgage was sold from XXXX to Mr. Cooper ( Nationstar ) on XXXX XX/XX/XXXX and Mr. Cooper failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with SCRA credit reporting suppression ; however, Mr. Cooper failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX  ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (SC)

My complaint is only sending through some sort of regulatory agency in nature to ensure a substancial record is maintained. Equifax among all relative credit reporting agencies have generally been a good steward, not abusing their obligation in order to support a non prosecuted financial industry. My request, sent as a complaint is just for reconciliation of all accounts, and inquires maintained by Equifax. If such is done, then it 's not the inaccurate reporting on of the credit reporting agencies its the unverifiable information sent by their billing clients, the above the law financial industry. Which is the subject of my complaint. If the Credit reporting agency reconciliates the record, then all complaints i believe will be resolved. If the credit reporting agency verifies my name, specific the one that appears on my social security card, which is the number identification that it uses to maintain such report, then it will take care of itself.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I was 3 months behi nd on my Wells Fargo h ome mortgage because me tenant was late on rent. My tenant became current on the  XXXX . Normally i pay  online thru Wells Fargo 's website from my Wells Fargo checking account but my access was denied with Wells Fargo stating they were trying to help me avoid foreclosure. i called Wells Fargo  mortgage on  XXXX   XXXX  to ma ke 4 payments and asked the late fees to be paid next month. I was at the pool with my kids and the Wells Fargo rep asked for my routing number and acct number which i did not know. I asked for online access I could make my mortgage current and was told to call back when I have my checking info. I gathered this information and called Wells Fargo three times t oday. The first time at  XXXX   XXXX  I provided my info but was disconnected when i was transferred to the mortgage dept. I called back at  XXXX , gave my info and was connected to the mortgage dept but the rep had computer issues and could n't access the payment portal so she asked to transfer me. Again i asked for online access so I would n't waste more of my time but when i was denied i asked not to be disconnected when I was being transferred. Sure enough i was disconnected. I called back at  XXXX  and provided my info. The customer service rep tried to walk me through an online payme nt which failed so she transferred me to the mortgage dept. I am going through a prolonged divorce so being fed up Wells Fargo I decided to pay other bills and only pay 2 monthly payments to Wells Fargo. Wells Fargo said  they would not accept a payment for half the amount owed and would only accept payment in full. How is this trying to help me avoid foreclosure? I only owe $  XXXX  on my mortgage. My hous e (   XXXX   XXXX   XXXX   XXXX ,  XXXX , WA  XXXX  ) is in a high demand area and will sell i n one da y for $  XXXX . This is unfair practices which seem deliberate to aggravate the consumer to make poor decisions. I am available to speak at any time. Thank you,  XXXX   XXXX   (  XXXX  )   XXXX
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (MO)

The company TRANSWORLD SYSTEMS INC. reported me to the credit bureau after I had set up payment arrangements on an account for medical debt .I was not informed that I could still be reported to the credit bureau after I had contacted them and set up arrangements to satisfy my medical debt. I made arrangements XX/XX/2016 for auto-pay to ensure they got their money. They reported me to the credit bureau XX/XX/2016. 
Nowhere on the statement does it disclose that I will be reported to a credit bureau. I was not told over the phone that I would still be reported 4 months after I had set up ongoing arrangements for ongoing satisfaction of payment of the debt. 
Unfortunately for me I was diagnosed with XXXX and this is what has happened, I feel as if I was taken advantage of and not presented with full disclosure. My credit has been perfect until my medical condition in which I had to quit my job.
Consumer complaint received 2016-05-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have paid this debt in.full and went to.the court and filed psper work and paid to.have it removed from the courts and my credit reports but still showing as open in the XXXX county courts and all the credit bureaus
Consumer complaint received 2020-09-23
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. (CA)

On XX/XX/2020, I discovered fraudulent entries on my credit report and took action immediately by contacting all credit card and loan companies involved, as well as the police, the Federal Trade Commission, and all the credit bureaus. Transunion told me that hard inquiries on my credit report by XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX will be removed from my account when XXXX and XXXX XXXX informs Transunion that the inquiries are fraudulent. 
On XX/XX/2020, XXXX XXXX XXXX XXXX ( XXXX ) completed its investigation and sent me a letter stating, " the investigation on the account in your name has been completed. XXXX agrees with your claim that this account was opened fraudulently. We have notified the three national credit reporting agencies to delete the XXXX account from your credit file '' ( Letter attached ). 
On XX/XX/2020, XXXX XXXX XXXX Customer Fraud Protection Agent XXXX sent me a letter stating, " I've sent updated information to the credit bureaus for them to remove this XXXX XXXX account from your credit file '' ( Letter attached ). 
I followed up with Transunion in XX/XX/2020 and was told it can take up to 60 days for the hard inquiries ' removal to reflect on my credit report, be patient. When 60 days passed, in XXXX, I was told to wait longer as it could take 90 days. After 90 days passed, on XX/XX/2020, I followed up with Transunion again, and spoke with Supervisor XXXX. XXXX said Transunion 's systems are perfect, and I should not have to wait 60 to 90 days because Transunion would have taken action immediately if XXXX and XXXX XXXX sent information to Transunion that the hard inquiries are fraudulent. XXXX confirmed the hard inquiries still show on my credit report, which XXXX said means XXXX and XXXX XXXX never sent the information to Transunion. I again called XXXX and XXXX XXXX and both reiterated that they sent the info to all three credit bureaus as stated in XXXX. Transunion, XXXX, and XXXX XXXX all agree that these are well-established companies that know how to properly send information. Yet Transunion insists that both XXXX and XXXX XXXX separately somehow failed to send the information, while both companies insist they did sent it. Also, from checking my account on all three bureaus, XXXX evidently received the info and took action, but Transunion did not. XXXX and XXXX XXXX said they send info to all three credit bureaus the same way, so XXXX XXXX action proves the info was indeed sent. I called Transunion back on the same day to communicate what XXXX and XXXX XXXX again confirmed, but Transunion continued to deny that they ever received such information. 
Attached with this complaint are letters from XXXX and XXXX XXXX from XX/XX/2020, and a screenshot from Transunion showing the hard inquires are still there.
Consumer complaint received 2020-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Oklahoma Student Loan Authority (NM)

I was attending XXXX University and taking online classes and before I completed my degree I ran out of financial aid. I am certain, when I read how much financial aid I had it said life time.. anyway they wanted me to start paying them out of pocket.. If I could do that I would not be on financial aid..I was almost done when this happened ..They had sent me an email that My next payment was XXXX dollars.. I was so close on finishing.. but because I couldnt pay I just quit being that I was so discouraged. How was I suppose to come up with that amount..I need to get access to my history on all my classes that were payed, at times I saw that I was being charged twice or three times for a class. This University was put on probation during the time I attended.
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (OK)

No contract with Procollect , inc . Creditor is listed as XXXX XXXX XXXX, who I used to be employed with. I never entered into any loan agreements, This debt is hurting my credit during a time of crisis.
Consumer complaint received 2020-09-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (WI)

XXXX car accident XXXX received wells Fargo payment invoice XXXX filed GAP insurance claim XXXX received wells Fargo payment invoice XXXX Insurance pending XXXX Wells Fargo balance due letter XXXX I called to see if payment was received from GAP NO Further Contact No Calls No letters, no collections XXXX Received Debt Charge off XXXX Disputed with Credit Bureau ( requested Validity of Debt ) XXXX Disputed denied XXXX Disputed With Wellsfargo & Credit Bureau XXXX denied I have requested : any Proof of payments received and copies of any letters attempting to collect a debt. FDCPA was not followed I did not receive Fair chance to pay debt prior to it being charged off.
Consumer complaint received 2020-08-28
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX, XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX   XXXX {$590.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$3800.00} XXXX/XXXX   XXXX {$740.00}
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (PA)

Where do i start. Terrible customer service. Applied for a refinance on their websit. They couldnt set it up as I requested. I sent email after email for them to get it right. They never did. 30 days passed by they cancelled it. Told me to reapply. I asked about the XXXX credit that they advertised and they told me the offer expired. So they didnt help me when I applied the first time getting my application wrong not fixing what I requested no where near a timely manner and then I couldnt get the deal they advertised because they cancelled my application. So now I was out the XXXX XXXX account credit, paying the higher rate on my current mortgage by 2 months and they basically told me I was out of luck. Thier loan officers are incredibly useless and I wouldnt recommend anyone trying to get a mortgage with them. Their slogan should be WORST MORTGAGE no better. Then I went shopping. Found a lower rate and better terms. Sent them the loan estimate to match it and give them a ***** They couldnt. Told me to send them the CD and mortgage from the deal I did get after I closed and I would get XXXX check sent to me. Now Im being told because the mortgage they offered me was a higher rate and the rate I received from the. New mortgage company was lower and a better deal all around I dont get the XXXX because its not the same deal they offered me? What sense does that make? Thier deal is if they cant match they will pay XXXX well they couldnt match and I got a better deal and they still wont honor their word?