davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I took out student loans in XX/XX/XXXX / XX/XX/XXXX to attend XXXX College in XXXX XXXX, CA. The total of the two Sallie Mae loans I am writing about was {$15000.00}. 

As of today 's date I have made payments totaling {$47000.00} and have a balance of {$31000.00} with a 14.875 % APR. 

My only options when I have reached out to Navient is to defer or reduce payments by extending the term of the loan, this is not acceptable. 

I have paid 184 % of the original loan amount, when paid off in XX/XX/XXXX I will have paid nearly 370 % the original loan amount. I am XXXX years old and STILL in debt because I tried to make a better life for my child when I was younger. I have been paying consistently, they have their money, there is no need for them to continue preying upon me, yet I have zero recourse. I have no one to turn to and Navient is just allowed to continue their unscrupulous business practice of preying upon individuals that have tried to better their lives. 

Also worth mentioning is that I had XXXX XXXX at the same time as well that have been taken over several times by different organizations ( now owned by Navient as of earlier this year ). The APR was always lower and the loan owners were always much more eager to help the individual as opposed to creating financial hardship. One of those loans is paid off completely and the other two will be paid off in the next couple of months as they make up about {$1700.00} total balance. 

I think I have proven good will, I have paid much more than the original loan amount and at this point I need someone to do something about this. I am angry and the answers I receive from Navient are absolutely unacceptable.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I despuied information with credit bureau XXXX/XXXX/XXXX XX/XX/2018 .. 
XXXX  has updated account information and removed from my credit file however XXXX/XXXX WILL NOT UPDATE INFORMATION ON MY FILE .. I HAVE ALSO REACHED OUT TO THE COMPANY ITS SELF AND THEY WILL NOT RELEASE INFORMATION AS IN WHAT THE CAR SOLD FOR AFTER REPO ETC..
Consumer complaint received 2018-09-10
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: AmeriCollect (GA)

americollect : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dollars profit service group : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dolllars Ive never opened, or even used a credit card before in my life. Ive been working extremely hard to build my credit, while others tear it down. I need help getting this off of my credit.
Consumer complaint received 2018-09-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 a refund of {$20000.00} was issued to me from a travel tour company when I cancelled the trip. I asked mastercard to transfer the funds to my personal check ing account on XX/XX/XXXX.. they agreed and said it would require between 3 to 5 business days to make the transfer. Yesterday XX/XX/XXXX was the fifth day. The funds have not been transferred as of XX/XX/XXXX. Yesterday I called Mastercard and spoke with a supervisor named XXXX. When I demanded that the funds be transferred immediately and without delay she apologized and said a " team '' was reviewing the request because of the amount of the credit. when I demanded to know why she could not offer an explanation. In the meantime Mastercard continues to deduct charges from the balance.
Consumer complaint received 2018-09-10
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: ERC (GA)

I called this company and asked to have something taken off my credit report that i paid in XXXX. I asked the gentleman how long would it be on my report and he said their practice is to never take it off I said but sir most companies I have talked to say it is at their transgression to where it comes off in the present or 7 years. I don't understand the purpose to just out right ruin someone's credit if they have paid you in full. The company I was talking to was ERC DEBT COLLECTION. They collected payment for an account I had with XXXX XXXX XXXX. It was placed on my credit report XXXX I paid the full amount {$250.00} in XXXX.
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Recovery Services, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2018-09-14
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: EQUIFAX, INC. (NC)

Fraudulent inquires : XXXX XXXX/XXXX/XXXX/XXXX XXXX/XXXX   XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX/XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX   XXXX XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX/XXXX   XXXX/XXXX/XXXX  XXXX XXXX/ XXXX/XXXX/XXXX XXXX/ XXXX XXXX/XXXX XXXX/XXXX/XXXX : : All this inquires on multiple occasions are fraudulent.
Consumer complaint received 2018-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

This company is reporting a debts that are inaccurate to my credit report. This company is reporting a debt of XXXX to my credit report falsely. This company is also violating the hippa law I did not authorize my information to be giving to them I have no debt with this company.
Consumer complaint received 2018-09-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ad Astra Recovery Services Inc (VA)

I have been dealing with this company for 2 years now! Calling at XXXX to ask me to collect on the same debt, I have been disputing with them since I wasnt able to originally dispute the dept in the 30 day period. I have been passed around to the collection companies and Im just tried of the headache this brings thinking about this. This debt is as much as my rent and I just dont have it to pay! It stoping me from and new endeavors because of this one item in collections! Thank you for taking the time to read this. I dont know what I should exactly file this under. Im just wanted to ask I heard about a good will letter, and was wondering how to apply?
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

HHGregg, who used Synchrony as their primary financing option went bankrupt and left me with a balance. This was an issue so I called customer service to make sure I was set up on automatic payments and to be sure the purchase was still safe as I had warranties also financed through the bankrupt company. The representative informed me everything was fine and my automatic payment would continue as scheduled. To our surprise, our synchrony is reported late 60 days with different dates and balances. This account was never late and I feel betrayed with a mortgage application on the line now because of this.
Consumer complaint received 2018-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (MD)

The date is XX/XX/2018. After cashing my check of {$3000.00} from a teller in a TD Bank in New York ( XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ), which I do not have an account with, I immediately tried to make a cash deposit in the same bank branch 's ATM, using a debit card from my own bank, XXXX XXXX. The cash deposit is {$2900.00}, because a {$7.00} fee was generated when I cashed the check ; the last four digits of the debit card number is XXXX. I put the XXXX debit card into the machine, no warning ; I put in the cash, still nothing ; and before I knew it, the ATM had counted my money and eaten it along with my card. 

I have made numerous attempts to contact TD Bank, but they refuse to give me any information about or support me with ATM Settlement because I am " not their customer. '' Their only suggestion is that I contact my own bank, XXXX, to file a dispute and get this solved in the back offices. I tried this, but XXXX was also avoiding the responsibility by denying my initial application for investigation, although later they have reopened the case under my request. Till tonight there is no update from either bank. 

I have the right to know where my money goes and reclaim it. TD Bank has no right to keep the money or refuse cooperation.
Consumer complaint received 2018-09-14
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. (NC)

Fraudulent inquires : XXXX XXXX/XXXX/XXXX/XXXX XXXX/XXXX   XXXX/XXXX/XXXX/XXXX/XXXX/XXXX  XXXX/XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX   XXXX  XXXX/XXXX/XXXXXXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX   XXXX/XXXX  XXXX/XXXX/XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX/ XXXX XXXX/XXXX  XXXX/XXXX/XXXX : : All this inquires on multiple occasions are fraudulent.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments.
The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I received repeated phone calls from Kohls Department Store collections. They left prerecorded voicemail telling me to call XXXX at the following numbers and times : XXXX - X/X/17 XXXX XXXX - X/X/17 XXXX XXXX XXXX - X/X/17 XXXX XXXX X/X/17 XXXX XXXX X/X/17 XXXX XXXX - X/XX/17 XXXX XXXX - X/XX/17 XXXX I communicated to them that I would like only written notices from them concerning my bills but continued to receive calls.
Consumer complaint received 2018-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (MD)

Over the past 7 years I have taken many steps on trying to get this account resolved and closed. This account in XXXX of XXXX was opened under false pretense with the co applicant. I was told I was the purchaser and the co applicant was the co-signer. Years after the repossession I found out that I was actually the co-singer and not the purchaser. Why would a XXXX  year old co-sign for a XXXX year old. ( makes no sense ) I trusted who was helping me get to car so I did what ever he said and signed where he told me to sign not knowing what exactly I was signing but trusted who was telling me to sign. Years later, I worked with XXXX XXXX to get the account taken care of and they had the account closed with a {$0.00} balance. After the closing of the account, the account some how had been reopened affecting my credit score and then closed once more. In XXXX of XXXX I contact the company to ask when the account would come completely off of my credit report since it have been 7 years and she said after XX/XX/XXXX of XXXX. I waited and the account never came off of my credit report. XX/XX/XXXX I reported the account again with XXXX to have it removed due to its age. Upon checking my report on XX/XX/XXXX the account had been reopened once more affecting my credit score AGAIN. I contacted the company and they said that they have every right to close and reopen the account as many times as they want until the amount is been paid. ( affecting my credit score more negatively every time ) After saying this she went on to mention that " But due to the age of the account we are not going to pursue it, I will close the account with a {$0.00} balance. Be aware that because of this you will get a paper in the mail for your taxes because this will be considered earned income and you will have to pay taxes on this. '' I have never in all the other times this account was opened and closed paid taxes on this and now all of a sudden I have to. She also mentioned that this account XXXX never come off of my account. I explained to her that I was told other wise and now I am being told it XXXX never come off. My Credit score is now well under XXXX due to this account and the many times they have opened and closed the account. I worked hard to get it to where it was with the repo still affecting it but not as bad because it was a closed account. Now that they reopened it again it has affected my credit and has now cause my credit to go down. I just want this account off my credit from 7 years ago. I was young I made a mistake its been 7 years and I paid for the consequences. I have now many open and in good standing accounts with no issues working hard to build my credit so I can buy a house one day. This is the worse company I have dealt with and never again will I ever deal with them for any reason what so ever.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX I had 3 Refunds post to my Chase Credit Card, these credits posted on XX/XX/XXXX. Each refund was priced in Euros and then converted to USD. The exchange rate I received was XXXX XXXX 's website states the Foreign Currency Transaction rate for purchases on XXXX with a 1 % bank transaction fee is XXXX, on XXXX that rate was XXXX ( see bottom of page ). With no foreign transaction fee, the rate on XXXX is XXXX. The rate I was given by Chase Bank, who has stated they have nothing to do with Foreign Currency Rates, is approximately 93 % of the XXXX Transactional rate, that means either Visa or Chase is charging a 7 % foreign currency transaction fee on refunds to credit cards. No where does Chase or XXXX list that they charge a 6-8 %  foreign transaction fee on refunds. XX/XX/XXXX XXXX This transaction posted on XX/XX/XXXX Additional merchant and transaction information Rate XXXX Return {$8.00} Currencies fluctuate every day. The rate shown is effective for transactions submitted to XXXX on XX/XX/XXXX, with a bank foreign transaction fee of 1.0 %. XXXX Euro = XXXX United States Dollar The " currency calculator '' below gives you an indication of the cost of purchases you make when traveling internationally. Euro to United States Dollar XX/XX/XXXX XXXX EUR = XXXX USD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My hazard insurance for this property expires XXXX XX/XX/2018 and of course, my premium has increased so I am in the market for another company to service this requirement. Sometime in XXXX I called Freedom Mortgage, the mortgager, and gave them this information : do not pay the current insurance bill since I am actively pursuing quotes from other companies. I do have a quote I intend to accept but I am awaiting results of a wind mitigation inspection I decided to purchase in hopes of reducing my premiums even more. I went online to my mortgage account today to let Freedom Mortgage know that a new policy was forthcoming. However, it seems this mortgage company has disregarded my request to withhold payment to current insurance company and paid them the increased insurance premium. Now I will have to pay the new insurance out of pocket which is what I wanted to avoid. I know I should get the paid amount refunded but that could take weeks and I am on a strict budget. Freedom Mortgage has been an absolutely horrible company since day 1 when my original mortgage was sold to this organization. WHY don't consumers have the right to select their own mortgage company? Because Freedom Mortgage would surely go out of business as I know many other veteran homeowners who are as frustrated with them as I am. While writing this I am on hold with Freedom Mortgage waiting for customer support. The recorded message claims they are handling calls from hurricane affected people but the hurricane is still active. I can see an insurance company being overloaded with calls but a mortgage company? This early in a hurricane? Come on! You are supposed to be a consumer protection agency yet NOTHING is done about Freedom Mortgage from what I can tell. They should in the very least be barred from providing, administering and servicing VA Home Loans!
Consumer complaint received 2018-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Mr. Cooper has been taking money submitted as extra payment on principal and applying it as though it were a normal monthly payment and putting the extra interest in their pocket. I have contacted them at least 4 different times about this problem. Each time I am promised that it will not happen again. 

I have attached my most recent statement which contains a fraudulent accounting. As you can see, the initial monthly payment of {$2400.00} was made on XX/XX/18. From this {$1900.00} as applied as principal payment and {$460.00} was applied as interest. This part is correct. However, the statement also indicates that 2 additional payments were received on that date, one in the amount of {$1500.00} and one in the amount of {$2400.00}. These last 2 postings are fraudulent because, in fact, only one additional payment was made and that was in the amount of {$4000.00}. As you can see in the copy of the attached statement, they then withheld an additional {$470.00} as interest. In other words, they stole {$470.00} from my payment of {$4000.00} and put it in their pocket. 

I have had this problem several times and each time a supervisor has promised to fix the problem. Given that this has happened at least 4 times in the last 5 years, I believe this in an intentional effort on their part to steal money. I have to believe I am not the only one subjected to such fraudulent procedures. I therefore request an official inquiry into their fraudulent behavior. Please advise.
Consumer complaint received 2018-09-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (CO)

I have sent several letters about the dispute of late payments to be removed due to misinformation form several representatives. I thought i was on a deferment back in XX/XX/17 and was assured that it was in effect until i got another response that i was not. I I followed proper steps and was filled out all the paper work. I called several time to see if i was on a deferment was told yes and when i was going to get a credit card was denied due to i have all the late payments on my report. I come to find out that they can not locate my calls between XX/XX/17-XX/XX/17 the disappeared. So i know i did call in several times and the representatives helped me with what i needed to do. I need assistance on removing the late payments I have tried so hard to get my credit score up.
Consumer complaint received 2018-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

This is a complaint against National Credit Systems, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I have contacted Wells Fargo multiple times regarding this and have received multiple answers, each different. We were told at our closing that we would have to pay PMI on our loan until we reached a certain loan to value based on the outstanding balance and the current value of our home. We were never told that we had to wait a certain number of years and that the loan to value would be based on the value of our home at the time of closing, not it's current value. After all the improvements that we have done now count for nothing. Two years ago our home was appraised at {$240000.00} and taking that into consideration with our current balance of {$170000.00}, we are well below a loan to value of 76 %. I am filing a dispute against Wells Fargo and what I consider are deceptive business practices on their part and the part of the loan officer.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (IL)

A statement admitting whether AMERICAN EXPRESS is the holder in due course or whether AMERICAN EXPRESS is a servicer. A statement admitting whether AMERICAN EXPRESS sold my note in a pooling or servicing agreement. This is also known as securitization..