davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BARCLAYS BANK DELAWARE (TX)

I received by mail a " Pre Screened '' offer from Barclays Bank of Delaware to apply for a personal loan between {$5000.00} to {$35000.00} ( if approved ).

The following paragraph is what prompted me to inquire about credit rates : " Checking the rate and terms you may qualify for will not impact your credit information. However, if you submit a completed application to obtain a loan, your credit score and information may be affected. '' The letter very clearly states that the applicant is allowed to check his/hers credit rate and terms, before applying for credit without having an impact to their credit information. Once I filled out the required data to check for the best credit rate for me, I waited for the information requested. Instead I received an instant message on my screen and an email stating that my application for credit was denied.

The information I submitted was only to be used the check the credit rate and terms, not to apply for credit. Because of this action my credit score has been negatively impacted and I feel this company was deceitful in the way their website handles consumer 's information.
Consumer complaint received 2017-07-06
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. (KS)

On XX/XX/XXXX I faxed a letter to Experian because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX To XX/XX/XXXX 5.  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX On XX/XX/XXXX I faxed an additional letter to Experian because I noticed unauthorized and fraudulent credit inquiries made by 1. XXXX XXXX XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no changes to inquiries, on XX/XX/XXXX I sent a second letter via certified mail. I received correspondence from the credit bureau dated XX/XX/XXXX and again dated XX/XX/XXXX but no changes to inquiries were made.
Consumer complaint received 2018-07-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IN)

I have been dealing with AES for years. Not only have they harassed my father and I regarding the loans, but this company is not helpful whatsoever when it comes to lowering payments or putting my account in forebearance. Every single employee I have ever spoken to has been incredibly rude and unhelpful. When I was pregnant my son last year, I had health issues that kept me from working after I delivered him. When I called AES requesting a forebearance or even lowering a payment ( in XX/XX/2017 ), the only response I received is no from the customer service representative. I never received a reason as to why I couldnt have my payments lowered or why I couldnt put my account into forebearance for a month or two,

considering i didnt have an income at all at that time. I can not afford these payments and I am exhausted trying to get this company to work with me. I am not ineligible for any 10 year on time forgiveness because I cant afford my payments. I currently pay {$220.00} a month. If i miss one payment, my next payment is almost {$450.00} ( which is what I currently owe ). That is unbelievable for anyone, let alone a single mother. Also, I dont even know where they got their balance from. I have looked over every single loan document on the loan database website, and I dont see how they got their amount they claim I owe them.
Consumer complaint received 2017-07-06
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. (LA)

I submitted a request to XXXX to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on my credit report.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MT)

I filed a claim to remove accts that i found on my report as i just recently started to check so that i can correct my credit and by land. I found several acct that are not mine that i have had no knowledge of. In searching i discovered that the accts were began while my mother and her boyfriend at the time lived with me. I believe that XXXX XXXX who is currently in XXXX XXXX XXXX for XXXX  and XXXX  opened these acct while he had access to my information like SS number and other personal information 's while they lived with me. I have attempted to contact and just get that " acct are valad '' but nothing stating how they were validated. Im looking for information as too how were validated. I mean that is my address that is my information but I did not open these accts to something called XXXX or a XXXX XXXX acct. they had access to but the right information i did not have knowledge of these accts even existed untill i started checking my credit. I never received and product or bills to these accts I supposedly opened. which makes sence since the people who had access to my information lived in my house and probably intercepted all of it. this is theft and I just want to know how these accts are getting validated and proved that they are my just cuz my name is attached to them. I just want answers and explained process of how they are validated. cuz truthfully i have all my ex husbands information and how would you know if it was him or me since we still live in the same house. You cant and it is not right to not listen to me and just expect that these are mine when they are not. It is not right to not take my information and stick me with a bill that is not mine just cuz someone had access to my information such as family or roommate. And the time frame of these bills were when they lived with me. No there was no charges because i recently just found out and he is already in XXXX. However i am NOT going to take the responsibility of the the XXXX XXXX or XXXX  acct even if i have to contact an attorney
Consumer complaint received 2017-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

On XX/XX/XXXX we ( my wife and I ) opened a fixed rate second mortgage with First Citizens Bank for an amount of {$67000.00}. The terms were 4.74 % for 15 years. This account has always been in good standing. ( loan request summary attached ) On or about XX/XX/XXXX I called First Citizens Bank to acquire a HELOC for an amount of {$150000.00} for home improvements. On XX/XX/XXXX a representative from First Citizens informed me that they would approve us for {$75000.00} with an adjustable rate of prime minus 0.26 % for a period of 25 years. We accepted those terms and signed the HELOC loan documents on or about XX/XX/XXXX. The closing statement ( attached ) clearly showed that {$15000.00} was paid to me directly and there was {$60000.00} in undisbursed funds. 

When I contacted the First Citizens representative for instructions on how to receive the funds, she sent me a screen shot of her computer ( attached ) showing we already had a balance due on the HELOC of {$66000.00}. When I asked her how could that be, she said they paid off the original second loan balance of {$51000.00} with proceeds from the new HELOC. 

ON XX/XX/XXXX I sent the email below to First Citizens representative, XXXX XXXX ( XXXX ) XXXX Ext. XXXX Phone " You are going to have to show me something in writing, either from one of your emails, or the on the closing documents that shows that $ 51,000+ of funds from the new heloc were to be paid to First Citizens to pay off the existing 2nd. The Disbursement Request and Authorization form states that {$15000.00} is to me paid directly to me by lenders check ( where is that, I do not have it ) and there is {$60000.00} in undisbursed funds. 

There is nothing in the loan docs that shows funds were to be used to pay off the original loan. '' First Citizens Bank did NOT have our permission in written or verbal format to close our original loan from XX/XX/XXXX. At no time did First Citizens Bank verbally or in written format inform us that proceeds from the HELOC would be used to pay off the loan from XX/XX/XXXX We now have virtually no funds for our home improvement project, ( which was already started ) and the fixed rate, 15 year loan, that we were four years into converted to a 25 year loan with an adjustable rate. 

First Citizens has not worked in good faith to fix this issue. The best they have offered, verbally, is to write a new loan for {$120000.00} for 25 years at 6.04 %
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PREFERRED CREDIT INC (AZ)

I placed a complaint to inform cpfb that PCI, was reporting inaccurate information on my credit report case # XXXX concerning account # XXXX, and the response from cfpb was it was validated, i received a item with allegedly owe them.there information does not meet the Federal Trade Commissions guidelines of what constitutes proper Debt Validation.they are still reporting this collection on  my credit report. PCI is in Voilation of the FCPDA .These collections on my credit is causing me a great deal of damages to my credit report and life.The FDRA does not allow the inaccurate Reporting of information, and they are getting away with it.Im am send you the copies of the notarized letter and their response sent via USPS certified mail.i sent them was received by them XX/XX/2018 at XXXX XXXX certified Mail # XXXX, its been more the 30 day to prve this debt is mine.
Consumer complaint received 2017-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

Found out recently through XXXX XXXX that my credit dropped over 100 points in the past 2 months because of non payments to a XXXX XXXX loan, which I have not received any correspondence with this company. This server is Navient and I have read this is standard practice from this organization.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

CHEX SYSTEMS IS STATING THAT XXXX XXXX XXXX SUBMITTED A NEGATIVE COMMENT ON MY CONSUMER REPORT ON XXXX/XXXX/XXXX. HOWEVER XXXX XXXX XXXX WAS NAMED AS A DEBT IN MY CHAPTER XXXX & CHAPTER XXXX FILING XXXX. THIS DEBT OCCURRED EARLY XXXX & XXXX AND THE NEGATIVE FILING WAS NOT FILED UNTIL XXXX AND SHOULD BE REMOVED BECAUSE I WAS PROTECTED UNDER THE BANKRUPTCY DURING THE TIME THE DEBT OCCURRED. JUST BECAUSE XXXX XXXX XXXX FILED THIS NEGATIVE INFORMATION AFTER THE DATE OF THE BANKRUPTY DOES NO HOLD ME AS THE CONSUMER LIABLE DUE TO THEIR DELAYS IN REPORTING TO CHEX SYSTEMS.
Consumer complaint received 2018-12-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

You have got to XXXX kidding me?! I am complaining about Experian yet again! This is ABSOLUTELY RIDICULOUS!! I just complained a couple of weeks ago about my BK which Experian finally removed after maliciously trying to ruin my credit even further by trying to extend it an extra three years for no reason. So now they ( you Experian ) retaliated against me for complaining about you. You removed my BK finally but now in removing my BK you dropped my credit score by 30 points from XXXX to XXXX after removing my BK? So explain to me how that make sense? You removed a major negative item from my credit report and you drop my score 30 points for that? If you ask me that sounds like retaliation against me for complaining about you. Why would one 's score drop 30 points for having a major negative removed? Hello Federal Government, do you not see a pattern of wrong doing here? There is no reason whatsoever why my score should drop 30 points after having a major negative item removed from a report. If anything my score should have went up 30 points, I mean really!! Again maliciously, knowingly and willfully ruining my credit once again! I can't even believe I am having to complain once again. I am so tired of this fraud of a credit reporting bureau it makes me sick you just purposely try to ruin people lives. Sure I've missed some payments lately but I've been unemployed for over three month 's now and that would be the reason for that. It's like kicking someone when there down by what you have done by dropping my score 30 points as you have for removing a major negative item. So now because of what you've done ( Experian ) I have been turned down to rent an apartment for XXXX and now I may be living on the streets come the new year. THANK YOU EXPERIAN!! Federal Government please take action against Experian, that is not okay to do what they are doing to everyday folks like myself. I now can not move and maybe homeless. This is an OUTRAGE AND TARVESITY what you credit bureaus are allowed to get away with! So frustrated!! I can't even believe this!!
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

In XX/XX/XXXX, Hudson City Savings Bank ( see CFPB case id : XXXX ) merged into M & T Bank Corporation. My mortgage for my primary residency, which I owned since XXXX, XX/XX/XXXX ( 15 years ) and resided with my wife and XXXX children fell behind in XX/XX/XXXX as my business failed. I went into pre-foreclosure in XX/XX/XXXX with Hudson City ( HCSB ). <P/>After 4 years of back and forth with HCSB submitting loan modification forms, appearing in superior court in XXXX County, NJ, and over {$15000.00} total in attorney fees and assistance, we were not able to come to an agreement on a loan modification, even though both my wife and I were working and making a strong income since XX/XX/XXXX. <P/>HCSB went silent from the period of XX/XX/XXXX through XX/XX/XXXX, no activity on my foreclosure proceedings, though they continued to pile up the late fees, penalties, and non-payment interest monthly. <P/>In XX/XX/XXXX I was contacted by M & T Bank Corporation, the new owner/servicer of my mortgage via the merger from XXXX, which was fined by the CFPB and DOJ in XX/XX/XXXX for XXXX XXXXXXXX for Mortgage Discrimination, obviously systemic issues within the organization. <P/>M & T, after numerous attempts to have them send me a Loss Mitigation package via postal mail fell on deaf ears, finally sent me a package with instructions and I submitted all my required documentation in XX/XX/XXXX. <P/>In XX/XX/XXXX, M & T contacted me with a system generated 'generic ' letter saying I did not qualify for a 'Retention Workout ' option, I was rejected. <P/>Within the letter, they offered a 'Right To Appeal ' and I submitted my appeal within the timeline given. To this date, I have not received a formal written notice on the decision of that appeal ( I have attached to this compliant ) which in the letter says I would be receiving from M & T Bank within 30 calendar days of receiving the appeal and documentation ( attached ). <P/>Also, M & T discuses 'Investor Guidelines ' that were not met based on my loan modification materials ( see attached document 'Net Income Modification ' ). To this date, I have received no formal investor guidelines from M & T Bank for review. <P/>Please see attached supporting documents attached. <P/>Sincerely, XXXX XXXX
Consumer complaint received 2018-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

American Adjustment Bureau sent me a letter claiming I owed a debt to XXXX Hospital. I have not/will not use XXXX nor their affiliates due to past experiences. I spoke with American Adjustment Bureau to find that the supposed debt was my husband 's for an XXXX. XXXX failed to bill his insurance company, XXXX XXXX. I sent all information to American adjustment Bureau 2 months ago and heard nothing back from them. XXXX XXXX sent a letter verifying that they paid this bill and that XXXX had charged the wrong account previously. Again, I received nothing from American adjustment Bureau. I only found that they reported my so-called bad debt when I checked my report because I am trying to rent an apartment so that I can move my XXXX-year-old grandmother in with me so that she can avoid being put into a nursing home. I have paid my debts and I have worked hard to repair my credit. XXXX Hospital does not send out bills to patients, they just send their information to these goons who don't do their job either.
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (PA)

Company continues to request a full year of school taxes which violates the law which says they can request a maximum of 2 months. Taxes were confirmed paid on XX/XX/XXXX by current lender and it shows clearly that they are not due until at least XX/XX/XXXX. There have been many instances through the process where they have not completed their due diligence and generated documents with inaccurate numbers and have attempted to charge me fees for the loan being delayed when I have submitted everything on time. Their last set of closing documents come one day after a disclosure that showed I did it need to pay the school taxes in whole. Yesterday, the closing documents showed I needed an additional XXXX for the already paid school taxes. Their solution was that I should finance those - which is not lost on me that they would collect on the interest of that, while I clearly do not have to even pay them as I have a year before they are due.
Consumer complaint received 2017-11-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

On XX/XX/XXXX, Ocwen Loan Servicing received a payment from XXXX XXXX XXXX XXXX ( of XXXX XXXX, MI ) of {$80.00}, XXXX, paying off my outstanding mortgage balance with them. I have an escrow account with Ocwen with a balance of {$980.00}. On XX/XX/XXXX, I contacted Ocwen about the distribution of my escrow account and inquired when I would received the funds. I was told by a customer service representative that I would have the funds within 18 calendar days, which would be on or about XX/XX/XXXX. After not receiving the funds, I contacted Ocwen on XX/XX/XXXX and asked for the whereabouts of my escrow refund. I was told that the " check was mailed on XX/XX/XXXX ''. As I explained that First Class Mail from Florida to Michigan does not take one week, I was then told to contact my local US Post Office, as there must be an issue with them. I was also told to " give it some more time '' and to not contact Ocwen until after XX/XX/XXXX. I did not wait and contacted them again on XX/XX/XXXX. I explained my previous calls to Ocwen and again was told that the check was mailed on XX/XX/XXXX and to " be patient ''. I was for the check to be cancelled and to overnight the payment to me. I was told that was not possible and that if I asked for the check to be cancelled, it may delay my refund by another month. 

It is my understanding that Ocwen has 30 days under Federal law to return my escrow funds to me. I has now been 31 days and I am still getting the runaround from Ocwen. I would like the CFPB to contact Ocwen on my behalf and request the release of my funds.
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (ME)

Back in XX/XX/XXXX I wrote to Sallie Mae to try and find out why an account for them was showing up on my credit report. Sallie Mae sent me a Student Loan Final Disclosure but nothing with my signature on it showing I agreed to be a cosigner for my granddaughter. I recently spoke with Sallie Mae Fraud Department. They say that they have a conversation recorded by Sallie Mae speaking with me where I admitted I cosigned for my granddaughter and that they do n't need a signature from me. I asked Sallie Mae for a copy of the recording and they are refusing, saying that I need to subpoena their records. The Maine Attorney General 's office referred me to CFPB to see if I can get a copy of the recording.The loan was taken out XX/XX/XXXX and they say the recording is from XX/XX/XXXX.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Applied Business Services, Inc. (NC)

I pulled my credit report and found out I had a negative remark on my report for {$25.00} from XXXX XXXX XXXX XXXX  opened X/XX/11. I dispute this charge.