davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

In XX/XX/2018 I contacted Navient to extend the income-based repayment option ( IBR ) on key federal XXXX loans, which at the time totalled roughly {$85000.00} with about 5 % interest. On the phone, the representative repeatedly dodged my request to do this, highlighting the options of the consolidation plan which had a $ XXXX  monthly payment opposed to {$150.00} for the IBR. The rep highlighted NONE of the effects of the plan other than the monthly payment, and due to distractions at the time and the reps persistence I agreed to the consolidation. When I realized they had added almost {$30000.00} in capitalization costs and fees and my balance was now nearly {$120000.00} at the same interest, I called ( XX/XX/2018 ) to see if they could work with me in some way to reverse/reduce the amount. They refused. I called again a few days later and requested the same, and also highlighted my concerns about pressured and potentially unscrupulous lending tactics, their response was to send me a copy of my promissory note! I called one more time ( Fall 2018 ) to ask again for help, reminding them I have XXXX kids and only make $ XXXX ( I've since become unemployed unfortunately ), and that the loan had placed devastatingly undue hardship upon my family. They never got back to me, and restated my balance of {$120000.00} and given interest rate. Please help!
Consumer complaint received 2018-08-09
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. (FL)

Experian has returned for a 3rd time with item remains from dispute although they were provided with documentation that the item from XXXX XXXX XXXX is reporting the Original Creditor incorrectly. I was advised today by the Experian Dispute Representative via phone that they do not require the company in dispute to provide to them any type of verification to them only to certify to them that the information is accurate. I find this process of dispute absurd! Why would an already shady company remove or update something in dispute if they do not have to provide any verification? It's like Experian is working in collusion with the creditors and big business instead of in defense of the consumer.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Dear Sir I wish to complain about my escrow account from XXXX and XXXX which was reported from Wells Fargo a {$7200.00} shortage. 
When I first learned of this issue this year, I immediately contacted Wells Fargo on XX/XX/XXXX, and was told that they would start investigating my escrow account from the past two years. I paid last years shortage, but when this year was short as well a red flag went up. However, now we are approaching XX/XX/XXXX with no progress resolving the issue. My mortgage has a {$500.00} increase with the new calculation from Wells Fargo. I am looking forward to your assistance in this matter. 

Sincerely, XXXX
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called Chase. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
Consumer complaint received 2018-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (OH)

I applied for a loan with speedy cash in the amount of {$1000.00} I made payments until they started taking out extra money at random times and my bank blocked them. I had made over 1500.00 in payments ( I have the bank statemetns that reflect such ) They have now turned me over to a collection agency for the amount of {$1000.00} I have disputed and disputed and keep getting letters. The interest on this loan was 353.302 % I have paid this loan off in full.
Consumer complaint received 2018-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Dear CFPB I submitted a short sale to my lender which they informed me if sent 14 days before the foreclosure sale date, they would review but there are telling me now they can not review. Attached is my fax confirmation with proof of my short sale submission
Consumer complaint received 2018-08-09
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: Experian Information Solutions Inc. (FL)

Despite three written requests, the unverified remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I filed a dispute on XX/XX/XXXX regarding old incorrect addresses on my credit report with Experian they dont remove them. I tried to file another dispute over the addresses and it said i couldnt dispute because a creditor told them this address was correct.
Consumer complaint received 2018-08-09
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (NY)

Good Morning, I have repeatedly requested my creditor Ally Financial not to contact the certain phone numbers. I provided the phone numbers that I did not want them to contact. Upon speaking with the representative they advised the numbers were marked do not call, and removed from their system. I have made this phone call on at least 4 separate occasions if not more. The last time I had this conversation with them was approximately 2 weeks ago, I requested a manager give a call to me to discuss. I haven't heard back from anyone. I also submitted an email to try to resolve-I have received no response via email.

If a customer requests that a number not be called, and it still happens that is a violation of the. I don't know how to make them stop. It has been embarrassing because they are calling people who they should not. 

I don't think a creditor has unlimited rights to harass you to collect a debt. 
and the sad thing is I have been in constant communication with the creditor, there is no need to call someone else to reach me. I consider it a form of harassment Please contact me at XXXX to discuss further.
Consumer complaint received 2018-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I HAVE APPLIED FOR FINANCIAL ASSISTANCE TO SAVE MY HOME WITH BAYVIEW, I HAVE COMPLIED TO THE NUMEROUS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT THEY HAVE DEEMED MY FILE COMPLETE WITH RECEIVING ALL DOCUMENTS NEEDED TO SEND MY FILE TO THE UNDERWRITING DEPARTMENT. THIS WAS DONE AND CONFIRMED ON EVERY CALL SINCE XX/XX/18. I WAS TOLD THAT THEY WILL HAVE A DECISION WITHIN 30 DAYS SENT TO UNDERWRITING, I HAVE REVIEWED THE FHA HANDBOOK FOR MODIFICATIONS TO DOUBLE CHECK AND THEY HAD ONLY 30 DAYS TO ISSUE A DECISION. THEY ARE WAY OVER THAT GOING ON 2 MONTHS HERE IN A FEW DAYS, ALL THEY SAY IS WE ARE BEHIND. THAT HAS NOTHING TO DO WITH ME THAT THEY ARE BEHIND AND THEN THEY START GETTING RUDE AS IF I AM BUGGING THEM TO DO THEIR JOB.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

I never received the bill from Barclaycard, and they assessed an interest rate of 26 % ( which I believe is anyway illegal and usurious ) I called and they said they can not waive the {$1300.00} interest
Consumer complaint received 2019-02-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

This guy XXXX XXXX XXXX scammed me out of {$4300.00}. XXXX he marketed an advertising scheme to put a XXXX XXXX decal on my car and drive around with it on my car. We first made contact XX/XX/2019. The cashiers check arrived XX/XX/XXXX. I saw the amount and became a little suspicious. I called XXXX XXXX to have the check verified and they verified the funds. I was unsure of it so I deposited using my XXXX mobile deposit to see if it was a good check. It was accepted so I thought it was good to go. He said once its been deposited use money orders and deposit them To the detailers account at well Fargo account number XXXX. I thought that was a lot of money to have my car wrapped and thought I could do it myself. He said you probably wouldnt want to do that because you could damage your car and it you do repairs wouldnt be covered by us. I said well he already sent the cashiers check so I went ahead and deposited the money orders. We talked about the weather and he said it would have to be a warm day and it was currently raining and a little chilly. The next day I didnt hear anything from him which was a Friday. Saturday morning I noticed my account was negative. I called the bank and they said the check had been returned because I endorsed it wrong. I was on hold for 20 minutes and while On hold I started researching cashier checks. It said they are now being used for scams. My XXXX dropped. The rep came back on the phone and told me to mail the check in just the way it was so I did. Monday I went back To Wells Fargo and told them I believe I was scamed. They said possibly and they also said he transferred the money into another account right after the deposit. They said I would have to do a claim with XXXX. They said I needed to do a police report. I called my bank XXXX and they said they didnt know who I spoke with on Saturday but the check came back Fictitious. I did the police report on that Wednesday. In the meantime XXXX refused to do a claim thru Wells Fargo. I felt like XXXX  mobile deposit is not as safe as it seems. And scam artist are using Wells Fargo because it seems it easier to munipulate their systems. The suspect probably had all fake identifications and still got an account with Wells Fargo. The police report came back and they found the suspect in Indiana. They said they had to send the jurisdiction to the Indiana.
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

FREEDOM MORTGAGE.We started a claim with our insurance company due to vandalism of our property. They issued the check without any delay, however, it had to be endorsed by Freedom Mortgage as well. We understand. HOWEVER, FM delayed the reimbursement by 3 months, for various reasons. Our house was under repair, and we had to pay out of pocket while we waited for them to process our claim check. During final inspection of the property, we scheduled with two separate inspectors, and they never showed up. Every time we called for status update, no one seemed to know the hold up, we experienced horrible customer service. We felt everything was done with intention to foreclose the home, we couldn't afford both the mortgage and the repair costs, because our insurance check never came through on time.
Consumer complaint received 2018-08-09
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

XX/XX/2018 - Letter seeking validation of debt was sent XX/XX/2018 - Capital One sent a return letter saying they needed to research request and needed the following information : Account number on my credit report ; a copy of their return letter ; a copy of my original letter ; a copy of my credit report showing the information ; and my social security number and date of birth. I was asked to return it no later than XX/XX/2018 XX/XX/2018 - All relevant information was sent back to Capital One XX/XX/2018 - I filed disputes with the credit bureaus because it had been over 30 days and no response was given from Capital One XX/XX/2018 - I received the exact same letter from Capital One as above ( XX/XX/XXXX ). This time it was dated XX/XX/2018 and asked to be returned by XX/XX/2018 XX/XX/2018 - All relevant information was sent back again XX/XX/2018 - Capital One sent a letter noting that they had been informed of my dispute, however, they did not have enough information to fully understand the dispute. They again asked for the same information as their previous letters. 

XX/XX/2018 - All relevant information was submitted again XX/XX/2018 - After receiving no response, I check my credit report. This time it stated that Capital One validated the debt through the bureaus. I then sent a letter to Capital One offering to settle the debt at 65 % ( {$160.00} ) in hopes of them removing the charge-off status off of my report. 

XX/XX/2018 - I received a letter yet again from Capital One stating that they needed more information again to understand why I was mailing them. They asked for the same exact information again. 

At this point, I have no choice but to file a complaint. I have asked multiple times for validation of the debt. It took them longer than the required 30 days to respond to that initial request. Even after the time had passed, I continued to reach out to no avail. They eventually were somehow able to respond to the credit bureaus, yet they continue to tell me that they are not certain about my account. Even after offering to settle the debt, they send me information that they are not certain of my account. I have no other choice but to file this complaint.
Consumer complaint received 2018-04-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

They called me and used a false name saying they were from the XXXX XXXX XXXX and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business.

When I called back and asked what firm they were a part of they did not tell me they just said they were the XXXX XXXX XXXX and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me.

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is XXXX XXXX XXXX not XXXX XXXX XXXX

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.
Consumer complaint received 2018-04-26
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 (OH)

I have been trying to dispute a large amount of money. I have been given the runaround from Capital One. First they lost my certified packet that I sent for my dispute. Then I had to upload over 100 pages to them with an expert who verified that the large charge was invalid. After speaking to many different supervisors they did nothing. They kept telling me that they would escalate this, but in the end I received a phone call from someone who was foreign who had a hard time explaining why this was not allowed. After all of this mess I contacted the Executive Resolution Center ( you can only fax them ) and explained my case along with the Chargeback reason code XXXX, which is where my dispute is valid. This was faxed on XX/XX/2018. I have heard nothing back from them. However Capital One called me the other day telling me that they were adding back XXXX to my card. The Executive Resolution Center does nothing. I have many emails and a paper trail of all supervisors and staff I have spoken to.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (VA)

I went to my BB & T bank located at XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/18 at approx. XXXX ET to deposit a check from my home insurance company so I can begin work on my home after last months catastrophe. The check was in the amount of {$7700.00}. I went to the only teller available and was told that BB & T would not accept the check because on the back it was stamped with " Without Recourse XXXX XXXX XXXX XXXX By : Assistant Treasure signature. I explained the scenario to the teller that this check was originally sent from my insurance company to my mortgage company to make sure the funds would be used for the catastrophic repairs. I escalated the issue to the Branch Manager and he concurred with the teller that BB & T would not accept the check. I called XXXX, they were kind enough to educate me on the process of this sort of check and advised me that the language used on the rear of the check was standard legal language that is between XXXX  ( the mortgage company ) and myself the homeowner. In addition, XXXX suggested that I contact BB & T once again and have the branch contact their compliance team. I called the XXXX BB & T at approximately XXXX ET number for assistance and the representative advised that this decision is decided at the branch level. I asked if she could at least call the branch and have the branch contact the compliance team so that we could settle this issue. The BB & T rep from the XXXX number reached out to the branch and the representatives at the branch once again stated that they will not honor the check and that their compliance team will support that decision.
Consumer complaint received 2018-08-09
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: Onity Group Inc. (CA)

Loan was signed for by someone else in XXXX. I was given keys to property even though my signature, nor lender, nor sellers signature appears do not appear on the final paperwork. I was unaware it was never completed until XXXX. I have tried many times to resolve with OCWEN. But they are not who had the original debt, they acquired it. 

I have been victim of ID theft more than 3 times since age XXXX. I have filed police reports and attempted to fix credit reports over the years. I have lost my wallet and/or ID twice this year alone. 
I filed paperwork with FTC recently when found out about new laws. Sent required papers to company for them to contact original debt holders ; where they obtained the information regarding the original debt per the law and instead they sent me papers asking for a copy of my signed social security card, and an notarized affidavit. Additionally they requested that I not send the form to the FTC or any governmental agency. 

Also I filed bankruptcy to try to get them to stop putting this erroneous info on my reports. They sent me information saying I had no personal liability if I filed bankruptcy. However, they still try and collect a debt that has NEVER been mine and that has ruined my credit!
Consumer complaint received 2018-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted transunion to tell them I have been a victim of their inquiry problem and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Here is a list of inquiries desired to be deleted : XXXX  Inquiry : XX/XX/XXXX ( XXXX ) XXXX   XXXX XXXX XXXX  XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX