davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

On XX/XX/XXXX I received letter that my IDR was approved - this letter was postmarked XX/XX/XXXX and received by me on XX/XX/XXXX. The letter stated I would be receiving payment information under separate cover. I received NO PAYMENT INVOICE/BILLING until yesterday, XX/XX/XXXX ( postmarked XX/XX/XXXX ) now stating my bill was past due and a late fee had been applied and I owed 2 months payment On XX/XX/XXXX I received a call at XXXX XXXX  from phone number XXXX no caller identification with a voice mail from XXXX saying it was Navient about a past due bill and to call XXXX. 
At XXXX I called XXXX and told the person ( XXXX  ) that I was returning the call to XXXX XXXX XXXX  would not connect me with XXXX but instead wanted all my information. The first thing XXXX  wanted to do was put me in forbearance which I had not asked for or even discussed. I again asked XXXX  to transfer me to XXXX - which she did not do. I asked XXXX  why I was getting a call for a past due bill as I had never received an original invoice at my address. She also pressed me to obtain my email which I did not want to do, sign up with Navient online-which I did not want to do, take a payment over the phone ( I informed XXXX  that until I had a correct invoice indicating the amount due I could not make that payment ). 
I told XXXX  that I was not late due to Navient not sending me an invoice/bill in a timely manner. What seems to be happening is that NAVIENT is sending out invoices that the borrower receives AFTER the payment due date - which should be addressed by the CFPB. 
Finally, after trying to pry information from XXXX  - she came up with changing the payment date. I am requesting that a corrected invoice/bill be sent to me immediately in a timely manner to allow enough time to submit payment. I want any late charges documented as removed. 
That a borrower has to pry information out of NAVIENT is reprehensible instead of Navient offering different solutions that are a benefit to the borrower. 
I DO NOT WANT NAVIENT CONTACTING ME BY EMAIL.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (WA)

I had a XXXX  dollar balance on my card. I tried to use it at a merchant XXXX   XXXX. Despite the balance, Square cash illegally denied me access to my funds and denied my transaction 3 times for XXXX dollars. 

I complained to customer care who came back with a lie that the merchant doesnt allow visa cards. this is obviously a lie for multiple reasons : 1. My friend eventually used a square card. 
2. The decline was from Square cash and NOT the merchant as I can see the decline in the app without any reason. 

The customer care agent after copy pasting the same response once stopped responding. This is close to my friend 's experience who once had an issue and due to inept customer service stopped trying to resolve her issue.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called all 3 of my credit reports XXXX, XXXX and Transunion. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX  TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.
Consumer complaint received 2021-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Good evening, My wife and I were on a forbearance program when PHH Mortgage services bought our loan. The information was not transferred correctly so they came after us. After they found out everything was already in the process, they placed us on their forbearance plan. When it was time to pay the mortgage again. They wouldn't allow us to do so unless we mailed in a cashier 's check. We have no way of monitoring our payments. I have been on the phone with them and have had to start recording our conversations because they are telling me that there is a lien on the property but there's not. I have the paperwork to prove it but they won't take it and they don't care. They refused to listen to what my wife and I had to say. They keep telling me that their system will not allow me to make a payment online or with a debit card. They have been sending me letters in the mail about being behind and in default and each time I call they just tell me that it's an automated system and that my account is in good standing. This doesn't make sense to me and I'm worried that they're taking my money and then going to take my house. I have saved the receipts from when I have sent them money but when I called the rep told me that I was 10 payments behind, their paperwork says the same thing. Were not though. I've heard nothing good about PHH and I'm starting to see why. They say someone is going to call and help me but nobody ever does. Lob story short, they're saying my house doesn't have a clean title. THats what title insurance is for so if there was an issue, I am protected and they should allow me to operate in a normal manner. Not to mention, this is the second company to own my mortgage and we had zero issues with the first company.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

Hello, I bought a house in XX/XX/XXXX and borrowed {$390000.00} from Colorado Housing and Finance Authority with the first time Colorado program. I had been making payments on time until I was offered the COVID relief program in XXXX XXXX. I was able to miss 5 payments and was told that those monies would be placed on the back end of the loan. I began making payments in XX/XX/XXXX and have been making them since. 

I am now in the process of refinancing my loan with a new lender, in order to lower my payment, and remove the PMI from the loan. I received the payoff statement from CHFA two weeks ago, however, and the Total Amount to Pay Loan in Full is over {$420000.00} -- {$28000.00} more than what I originally borrowed. I believe I know what is happening, the computer is ticking every day since the day I missed a payment for COVID relief, but no one has told the computer to stop ticking once I started making payments again last fall. The computer thinks I haven't made a payment since XXXX or XXXX of XXXX and my payoff statement reflects that, despite the fact I did make payments. 

I have spoken to multiple agents at the lender in all the departments, so far I think I've spoken to 30 representatives between Customer Service, Payoffs, Collections, and Loan Mitigation, and many of them supervisors. So far only two customer service agents have been able to understand my dilemma, none of the supervisors are willing to help beyond transferring me back and forth to Loss Mitigation from Customer Service where I have to start over from scratch.My feeling is either a ) no one has the time or inclination to help or, b ) no one has the skills to help. They are almost all very nice people but what would take me a few hours to do when I worked at a mortgage company, they are going on over two weeks. The folks at Loss Mitigation say I owe them {$12000.00} as of XX/XX/XXXX, which sounds like the amount of payments I missed for the five months in XXXX. To me at this point, they are hoping I go away-desperate to get the new loan so they can not have to bother with the math. 

I desperately want to pay these folks what I owe them, mostly so I can get back to work, but I don't want to spend my child 's college fund on their mistake.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/XXXX I transferred {$800.00} from my checkings account to my cash app account. I then moved the money from my cash app account to my secondary account. The account was then closed by cash app for unknown reasons and cash app will not let me retrieve the money. I have sent several emails to cash app but they only send automated email responses. They do not have a customer support number in order to talk to them. I have tried everything i can think of to try and gain access to my funds but i have been unsuccessful.
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

on XX/XX/2019 my mom sent me {$200.00} to my cash app which is " XXXX XXXX '', the phone that that my cash app was downloaded to is no longer in service and when i tried to log back into my account with my new phone it sent a confirmation number to my " old '' phone number which is NO longer in service, this caused me to create a new account using the same email address as my old account, my new account is " XXXX XXXX '', when i logged into my new account my bank account information was already saved, but i could not see the {$200.00} because it is SOMEHOW stuck in my old cash app account. I have contacted customer support countless times and i received a email on XX/XX/2019 stating that all i had to do was send them my old account info along with my new account info and they would merge my cash app accounts leading me to retrieve my funds of {$200.00}, and they have yet to do so, Im making a complaint because their options for customer support are poor. I do not feel like they are going to get me my money base on reviews ive seen, please help me resolve this issue, thanks.
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Cash app!!! Last week I got money sent. Because the screen on my phone cracked. 

I tried to login, MY EMAIL asked me to create a new account. 

I have been emailing for a week, NO response until today. 

I got a copy and paste response ... a different person responded and asked for the I go I already gave ... ..then stopped RESPONDING. 

I even tried to use another email. They BLOCKED ME AND DONT RESPOND. 

I needed my money, NO matter the amount. 

They are not trying to give me my money back. I HAVE ALL EMAILS CONFIRMING THIS. PLEASE HELP ME GET MY MONEY BACK. THANK YOU
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (TX)

I have a cash app card and someone tampered with the account so I had it closed and a new card was issued but the {$70.00} I had in the old account didn't appear on the new account, after 3 days I was able to reach someone thru email but they cut off communications, there is no customer service number to call, they won't respond to the email address that was given I then did a little research and reached out on XXXX   I immediately received a text that they found my account and someone will contact me and that's a lie, I can't get anyone to reach out about my money. This company should be shut down they are stealing money and nothing is being done I've read many stories croon people who have flel prey to cash app and they're the same as mine
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I contacted US bank customer service on approximately on XXXX of XXXX to inquire about the {$400.00} bonus status. The rep said that the bonus was going to post on Monday ( XXXX ), and that they will also file an investigation about why. 

I got a callback on XXXX from US bank telling me that although I met the {$4000.00} direct deposit amount, they saw that the online banking e-statement requirement wasn't met. However, US bank was having issues when I was signing up for online account at the time, and they assured me that the correct promotion codes would be applied for this promotion and that they will do handle things on their end that the e-statement and the initial deposit requirements would be met. 

I called back again today ( XXXX  ), and was on a phone call for 3 hours with the rep, and the customer service rep today basically made some calls and said that she would transfer me to whoever 's in charge of making this determination, and sent me to a relationship banker ( who in turn told me that they do not handle this type of issues ). Then this relationship banker transferred me again which went to the very start of the customer service number. 

I am highly dissatisfied and disappointed with 1 ) the way U.S. Bank is not following through with their promises/terms ( the representative promising me that the bonus would post on XXXX, and even earlier when I was signing up when they were having website problems on their bankend that all would be handled on their end for this promotion ), and 2 ) the way Customer Service is handling my inquiries and complaints by " passing the buck '' for hours on end. 

I am including the screenshots of the email correspondence of what I have. U.S. bank should have the recordings of all phone calls from me to look into the matter.
Consumer complaint received 2021-08-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

On XX/XX/XXXX, I called Navient with questions about relief for a student loan. I did not speak to anyone at Navient but left a message with NAVIENT with questions regarding problems with my account. A short time later, I received a text with a referral to this organization. 

My original loan repayments were consolidated by either XXXX XXXX or XXXX XXXX organization. I believe I was on a graduated payment plan. I have made payments consistently on my loan since XXXX, when I began working at XXXX XXXX XXXX. I'm not sure of the circumstances but at some point I was referred to Navient in XXXX however, I know that I was not informed that I was no longer dealing with a Federal agency. I only learned with after being turned done for Loan Forgiveness in XXXX. 

Earlier this year, I contacted a legal referral group online and was given several options to pursue. When I explained the situation, I was encouraged to contact Navient for a copy of my original loan agreement. I did this but was only sent a summary of the loan. I have learned that the total amount to be paid is {$91000.00} for a loan with original principal of {$53000.00}. Moreover, as of XXXX, XXXX, my payments have jumped from {$290.00} to {$500.00}, with a payoff date of XXXX. Nor do I recall making these arrangements ; particularly as I am XXXX years old and look to retire in five years. 

I do know that in XXXX I was taking care of my mother and my brother, who was an adult with XXXX XXXX and other XXXX  XXXX, but I don't believe I was ever informed of the changes moving to Navient would make -- or that there were other options. I wouldn't have known about Navient had I not been referred to this organization. 

Contacted the XXXX website and received several offices to contact. HOwever, when I explained the situation, I was encouraged to contact XXXX and list my legal issue as Consumer Law or Education Law. However, I haven't had success finding a lawyer in my area. 

At this point, I am in desperate need of assistance and hope that I may receive information from this office on how t o move forward. 
.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

i was told my Covid forbearance has ended ; i then tried to work out a repayment plan with Shellpoint including the possibility of additional payments being deferred to the end of the loan i was told due to my income level there was no possibility to be worked out and if i do not come up with all XXXX the entire amount of the Covid-related missed payments i would be foreclosed upon immediately ( unbelievable! ) ; compounding matters i have been making partial payments for the last 4-5 months ( escrow only ) and i was also told i am entitled to an additional month of deferment but i can not get it please help me as i want to work out a structured settlement but the rep-manager, XXXX XXXX is not being cooperative whatsoever! 

thank you in advance for your help
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX does not show any bankruptcy on my credit file. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials.

Equifax still shows over 24 false/not authorized credit inquiries on my credit file.
Consumer complaint received 2021-08-17
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: LEXISNEXIS (NJ)

I am distressed and constantly have anxiety attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (TX)

I purchased two XXXX. Cashiers checks XX/XX/2017 from Wells Fargo Bank. I was told that the checks didnt not expire nor is there an expiration date written on the checks. Approximately one month ago I tried to cash the checks and was told that Wells Fargo no longer had the funds and that the money was sent to a lost funds account. I have spoken to several bankers and was directed to different websites with no such luck of locating the money. The final straw was today when I was ask what do you want us to do? in a very disrespectful tone by XXXX at the XXXX XXXX XXXX.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I attempted to fix my date of birth with myEquifax on XX/XX/XXXX. It says I was born in XXXX on their report. This is stopping me from being able to move into a home because that information doesnt match the other credit bureaus. I am XXXX not XXXX!! You would think this would be an easy fix. But NO!. They ask me to verify my identity and its wrong everytime because they have it listed incorrectly. I know for a fact it was correct before their " breach ''. I attempted to send a picture of my DL on their site. The site prompted me to call customer service. Customer service says they cant do anything I should mail a copy of my ss card and DL. I dont feel comfortable sending my info in the mail since I already had identity theft issues because of them and I have to have a perment freeze on all of my reports. I asked if I could email it..the guy who barely spoke English and sounded as if he was in a daycare said I could FAX it! Where am I going to get a fax machine? I asked for a manger..he said no. Lol.. I continued to ask because now its clear he's not even in the U.S. he says okay and then HANG UP!.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (TX)

On XX/XX/2019, I attempted to send money using Cash App. I received a response that stated I needed to verify my identity. I provided my name, phone number, and address. Cash app Then had me take a picture of my drivers license and debit card. Cash App also had me allow access to my contacts which was uploaded. Cash app then made me sign in to my bank to retrieve account information. After all four steps were completed, cash app immediately closed my account. I reached out to ask why. The response was I violated the terms and conditions. I asked specifically what terms and conditions I violated and never received a response. I have asked this question twice. I am concerned about my privacy since I provided a lot of accurate but private information to verify my identity. If there is some other term that was violated ( identity couldnt be the cause ), then why was I asked to divulge such private information? I will be seeking civil action.