davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES (WI)

I have complained before. I am paying more than the minimum due each month however Great Lakes is not applying any of my payment to principal. There statement does not say how much interest is due each month, only the payment amount, and all payments regardless are applied to interest. How can I ever pay this loan off? Why do they not need to provide a normal loan statement that shows interest charged, interest paid, amount received, and how it is applied? FYI I have an XXXX and XXXX and I 'm an expert XXXX, and I ca n't understand what they are doing. Please help ... As it is, this payment is taking about 40 % of my disposable income.
Consumer complaint received 2015-06-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (PA)

XXXX College : XXXX XXXX, PA XXXX failed to make the extremely high interest rates of Genesis Lending Services, that I was not told they would be that high. I was threatened multiple times to lose my loans and be kicked out of the school, since I could not afford the interest rates that you have to pay while you are enrolled in school.The financial department at XXXX ( XXXX, PA ) honestly told us nothing about the lending service. Next thing I knew I was receiving $ XXXX {$200.00} interest payments while I was going to school. The school did not help me with finding a job nor did I receive a rent and living check. I had to rely on borrowing the money from the people in my family who do n't have the money to spare. I got told XXXX times by XXXX and a few calls from Genesis that if I did not make my payments I would lose my loans and be forced to drop/be kicked out of the school.
Consumer complaint received 2016-01-21
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I am a XXXX Veteran. I purchased a money order from XXXX and did not use. Certegy has declined the transaction to return the money order and receive my money back. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. When I called and advised I had all the documentation used to purchase the money order they indicated that due to some XXXX risk factors they could not refund my money. The individual continued to repeat about risk factors that had nothing to do with my purchase considering I had the receipt, money order, money order receipt, drivers license. I was told that I needed to take it to another establishment to get my money and would have to pay whatever fees they would charge. This is consumer fraud. They should not be in the business if they refuse to honor the money order program as designed. Now I am stuck with a money order I can not use and the company refuses to refund my money.
Consumer complaint received 2015-07-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: TD BANK US HOLDING COMPANY (NJ)

For more than 20 years, XXXX XXXX XXXX XXXX XXXX has supported an orphanage in XXXX. Every month for those 20+ years, we have wired money from our account at TD Bank ( formerly XXXX ) to our account in XXXX XXXX XXXX XXXX XXXX of XXXX XXXX most respected, well established commercial banks. 
On XXXX XXXX, 2015, I visited the XXXX XXXX, XXXX, NJ branch of TD Bank to send our regular two monthly wire transfers to XXXX. Manager XXXX XXXX provided excellent service and processed the transfer. 
Three days later, I heard from our orphanage in XXXX that only XXXX of the wire transfers had arrived at XXXX XXXX XXXX, so I immediately called TD Bank for an explanation. Several hours later, the TD assistant manager called me to say XXXX ( their XXXX transfer bank ) had blocked the transfer because " they are concerned the money is going to a bank in XXXX. '' I pointed out this was absurd : XXXX, XXXX is XXXX of miles from XXXX, XXXX, and the XXXX bank has absolutely no connection with a XXXX bank. He assured me he would pass this on and quickly get us the money. 
All the next week, while I was in XXXX, I called and emailed at great expense back to TD Bank. Every day they said they were checking into it, and every day nothing was done. 
I returned to the US on XXXX XXXX and immediately called TD Bank, asking them to simply redeposit the funds into our account and we would send another transfer -- because we desperately needed the money to buy food for the orphanage. They responded that XXXX was refusing to either send the money to our XXXX account OR to refund it to us for at least 60 days. 
On XXXX XXXX, I called XXXX New York wire office and spoke to a XXXX XXXX, who claimed to be a manager. He said it was untrue that his bank had mentioned anything about a bank in XXXX and the real reason was that TD Bank had simply not given them the contact details of the receiving bank in XXXX. I told him I could give him everything : the XXXX code, address, phone # -- right then, but he refused, saying that I am not a customer of his bank. 
I went back to TD Bank and told them that XXXX had disputed their story, and they said they would look into it. More than XXXX hours ( and XXXX more phone messages ) later, I have heard nothing back from TD Bank, and still the money is being held by XXXX.
Consumer complaint received 2015-10-25
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (AL)

AFTER A SYSTEM GLITCH I HAVE N'T RECEIVED MY DIRECT DEPOSIT FOR {$380.00} AND ALSO THE BALANCE THAT WAS ON MY CARD BEFORE THIS GLITCH IS GONE WHICH WAS {$540.00}
Consumer complaint received 2017-01-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CT)

I purchased a vehicle in XXXX of 2015 at XXXX. I was told by the dealership that I was the buyer and XXXX XXXX was the co.buyer. I was recently made aware that my name is n't on the vehicles title or registration. I have made payments on this vehicle for more than one year and I am unable to drive the vehicle because I am not the registered owner. Wells fargo Dealer Services has reported this loan on my credit report but I am not the lawful owner of this vehicle. I am unable to locate XXXX XXXX who is the listed owner of this vehicle. I can not continue to make payments on a vehicle that I am not the owner of. Wells Fargo Dealer Services received the funding package from XXXX and did n't secure my interest in said vehicle.
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Midwest Recovery Systems (NC)

Midwest Recovery LLC has repeatedly called me and threatened legal action for an unknown debt that appears to date back 15 yrs ago. They leave multiple voicemails at my home daily, and they tell me that someone is coming to my job to serve me with legal papers. They have also called my job leaving messages for me with our accounting department. I called them back from work and asked for their address to send a cease and desist letter, but they would not give it to me, and the man yelled at me saying that he hopes I 'm embarrassed when I am served with legal papers at my work " tomorrow '' and then hung up on me. This company also keeps reporting this 15 yr old debt on my credit reports causing me to have to dispute and remove them.
Consumer complaint received 2016-02-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage Services has been a nightmare to deal with. They lied about postponing the foreclosure sale date and working with my on a modification. I spoke to them on Tuesday and was assured that they were reviewing my application and everything was fine. I received a call today, did not bother to even leave a message and I called back to inquire about the call. I was told my modification was denied and the sale date was set for XXXX which is 4 days away. The lady on the phone was rude and kept screaming at me telling me that I did n't have enough income and other issues so no to bother trying to reapply. I am about to be homeless because a greedy bank does shady and unethical things to kick people out of their homes. I was told not to even bother trying to do a short sale because I would n't have time. There is no customer service and no one to talk to that will listen or at least try to help. They lied to be stop me from looking at other alternatives such as short sale or deed in lieu. Predatory practices and simply immoral.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (KS)

I have a CITI Diamond Preferred Card and was given an {$1800.00} credit limit. I have never paid late, managed my credit limit responsibly. I make over $ XXXX annually and have more than enough resources to pay the obligations on this card. About 2 months ago I receive a notice from CITI indicating that my credit line was being reduced. I did not agree with the this decision and called to complain. My credit line was reinstated and I was told that I should not have this issue again. On XX/XX/2016, I received an email indicating that once again, my credit limit was being reduced. I called again to complain and they submitted my claim for reinstatement. This request was denied. There is no reason for CITI to be doing this since I have paid my account in full almost every month and have not given them any indicators that I would be a non-pay risk
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long
Consumer complaint received 2015-07-19
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

ON XXXX XXXX I ORDERED A NEW RADIATOR FROM XXXX. MY CUSTOMER IS IN THE MOTEL WAITING ON THE REPAIR OF HIS FREIGHTLINER TRUCK. THE PART SHOWED AND IT WAS WRONG. THE MANGER AT XXXX XXXX ASKED US TO TAKE IT TO A RADIATOR SHOP TO BE MADE TO WORK. THE PART WAS COMPLETELY WRONG COULD NOT BE MADE RIGHT. WE SHARED THE INFO WITH OUR CUSTOMER WHO IS NOW AFRAID OF BEING STUCK IN A MOTEL OVER XXXX. OUR CUSTOMER DECIDED TO RENT A CAR AND DRIVE TO XXXX, TX AND PICK UP A RADIATOR HIM SELF. CALLED XXXX AND TOLD THE MANGER THE DEAL. TOLD HIM I NEEDED TO SEND IT BACK. HE SAID HE WOULD GET BACK TO ME. I WAITED TILL AFTER XXXX AND TOOK IT UPON MYSELF TO SEND THE PRODUCT BACK. WHILE IT WAS ON THE TRUCK ANOTHER SHOWED. A REPLACEMENT FOR THE WRONG. CALLED THE MANAGER HE SAID I ORDERED IT. WHY WOULD I DO THAT WHEN THE CUSTOMER IS GETTING HIS OWN. HE OFFERED HE WILL GET BACK TO ME. SOMETIME GOES BY AND THE RADIATOR I SHIPPED BACK GOT REFUSED AND SENT BACK TO ME. NOW I HAVE XXXX RADIATORS A PRICE OF {$1200.00} EACH AND A ROUND TRIP FREIGHT BILL THAT IS ABOUT {$400.00}. SO I 'M IN THIS FOR {$2900.00}. CALL THE MANAGER TELL HIM THE DEAL. HE WILL GET BACK TO ME. I KEEP CALLING AT LEAST ONCE A DAY. I 'M TOLD HE WILL RETURN MY CALL. I FIND A EMAIL. I SENT A FEW THROUGH THAT. NO LUCK. SO I GO TO THE CREDIT CARD AND FILE A DISPUTE. SEVERAL WEEKS GO BY AND I GET A CALL FROM I GUESS THE OWNER. TELLING ME HOW I SHOULD HAVE HANDLED IT WITH MY CUSTOMER. HE ALSO ASKED IF HE COULD HAVE HIS XXXX RADIATORS BACK. I TOLD HIM SURE THEY ARE HIS NOT MINE. HE SENT THE FREIGHT COMPANY XXXX TO PICK-UP THE XXXX RADIATORS. THEY PUT ON THE SHIPPING LABELS AND LOADED THE TO RADIATORS. GLADE THAT THAT IS OVER. NOPE HE REVERSED THE CHARGES BACK TO ME. TOLD ME I NEEDED TO PAY THE FREIGHT FOR COMING INTO ME AND BACK TO HIM. THE PRODUCT I SENT BACK AND GOT REFUSED WAS FUNNY TO HIM. HE TOLD THE CREDIT CARD COMPANY THAT I WOULD N'T GIVE THEM BACK. SO IT STOPPED THEIR. THEY TOOK HIS WORD WITH OUT ANY PROOF. I 'VE TRIED GETTING WITH XXXX TO GET ANYTHING THAT SAID THEY WHERE PICK-UP. BUT THEY CA N'T HELP ME. I 'M NOT THE ONE THAT HIRED THEM TO SHIP. I 'M STUCK WITH NO WHERE TO GO. I HAVE GOT TO PROVE SOMETHING THAT I HAVE NO WAY OF DOING. WHILE THEY TAKE THE OTHER GUYS WORD.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I sent XXXX XXXX XXXX o And Experian multiple requests regarding the removal of an old mark on my credit from XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

I don, t have any XXXX XXXX account since 2013!!!!??? 
I live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!!
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

My sophomore year of XXXX, I received a private loan from Navient then known as XXXX. The loan was for XXXX. It is now worth over 43,000. When the recession occurred I was unable to go back to school. I was out of school for almost two and a half years. The second year I was out of school I received a call detailing my delinquency. I was young and naive but I grew up that moment. I had no clue that XXXX had been trying to collect payments. They never called and sent one mail that I received before they sent me to collections. I called and they agreed to put me on forebarence because I was ineligible for income-driven repayment though I was making minimum wage in XXXX which was XXXX. I began paying them monthly around 250.00, with escalating cost each month and no decreasing balance. In XXXX I received an email from my school offering an opportunity to go back to school. I immediately accepted and returned in XXXX XXXX making a payment for XXXX because XXXX said I was n't eligible to receive deferment for XXXX. I graduated on XX/XX/XXXX.I started a job in XXXX XXXX and began repaying them before I was accepted into a XXXX program at XXXX university XXXX I then entered in school deferment because I was n't working full time with the company that provided enough income to substain the payments but I was working two jobs. In XXXX XXXX I was accepted into the XXXX school of XXXX, of which I still attend. I have no income except for my federal refund that goes toward living expenses such as rent and food. I was contacted by Navient and told I would have to pay them. They offered no resolution saying that I have no other options and that they would send me to collections again. I am currently being educated for a field in which repaying them would be a foregone conclusion yet I 'm restricted because of inadequate private loan laws and unreasonable contracts companies like Navient offer low-income students because we have no other source of income.
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

Caliber Home Loans has persisted in concealing an agreement they made with XXXX when they sold the loan to Caliber in XXXX 2014. The agreement was for Caliber to address errors in our account committed by XXXX. Caliber has also continued to make mistakes when attempting to address our concerns. They are outlined in the documents attached but include : failure to appoint a Single Point of Contact for over 5 months after assuming servicing of the loan, the SPOC ( XXXX XXXX ) refused to complete research on our account to address errors, Caliber continues to remove an unsubstantiated claim of {$3500.00} of deferred interest applied to our account by XXXX, and most egregious Caliber sent us letters with the addresses and account numbers for XXXX different homeowners. Additional information is attached.
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Adjusters, LLC (OH)

National Credit Adjusters called and stated that I owed XXXX debts and that they had been mailing letters to me, but the letters were mailed to an address that I have not lived at for 20 years. I ask them to mail the information to me but the refused and stated it will be going to court instead, I informed them of the wrong address and to mail them to the correct address again the rude lady stated she could not and that I needed to pay them now or they will send the information to court. She tried to give me information but was stuttering and rambling and again demanded immediate payment on the debt and still refused to mail the information. The lady was very rude and mean, it also appeared that she was not even ready, she kept rambling off my old address and my driver license number, I thought I heard her say something about arrest warrant, my never stated any solid facts.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

My name is XXXX XXXX XXXX, in XXXX I consigned on a student loan for my nephew, XXXX XXXX XXXX, to attend So XXXX XXXX College. In XXXX XXXX, XXXX called the lender for a payoff quote, and was given the amount of {$5000.00}, a payment for that full amount was immediately mailed. Now, 4 years later, Naviant is claiming the check was applied to the loan as " paid ahead '' leaving an interest balance of less than {$130.00} which has now accumulated to the amount of {$370.00}. This company has recently reported a negative 4 year overdue balance to the credit bureau, and now my outstanding credit rating which was ( XXXX ) has now been reduced to the poor rating of ( XXXX ). I have never paid a bill late in my life, and consigning is something I do n't I do without great consideration and monitoring. Believing that this loan was paid off, and the fact my credit rating was n't affected until now, as well as not receiving any communication in the last 4 years regarding this matter, prevented us from rectifying the situation before it got to this point. 
I have made several attempts to appeal to Naviant representatives over the last two weeks, that this account was paid in full in XXXX, I have asked to speak to supervisors and their legal department, but they continue to stand their ground. I believe this company is pulling a batch and switch, by quoting one amount, then continue to add interest before applying the funds to pay off the loan, then holding the account open while the interest continues to accumulate, thereby charging additional funds for their profit. If this was n't the case, then why want they settle this matter reasonably, and notify the credit bureau and return my credit score to it original standing. Their exact reasoning is the amount of {$5000.00} was considered a payment in advance, or that the account was paid ahead, not in full. Our standing is, why would we pay {$5000.00} and leave a balance of less than {$150.00}, and make no attempts to pay off that small balance over a 4 year period. This is obviously a scam being pulled to extract additional monies from unsuspecting students, parents and consigners. I am requesting your assistance in resolving this matter expeditiously as this situation with my credit rating, as of now is preventing me from conducting business as planned. 
Please contact me regarding this matter @ XXXX, or email XXXXXXXXXXXX Respectfully, XXXX XXXX
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (NC)

Based on the documents synchrony Bank has provided none of the documents has my name on it but a account statement and a delivery receipt..A check with with XXXX XXXX name on it showing the last payment made. Loan agreement sign by XXXX.The guy at rooms to go ask for my personal information so i would be able to sign for the furniture if XXXX XXXX was n't at home he also advise that i could n't apply for a loan or cosign because i was unemployed at the time.Once the loan went delinquent Rooms To Go, Ge Money Bank, Synchrony Bank did whatever they wanted to with my personal information after i was advised by Rooms To Go it would only be use for delivery purpose only.I have uploaded supporting documents showing who is liable for this debt. This was a walk in purchase from Rooms To Go store XXXX XXXX XXXX, XXXX XXXX XXXX, NC.XXXX
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

I opened a Credit Card with XXXX XXXX which was issued through Synchrony Bank. The whole time I was having a hard time with my mail and would receive and pay my bill late. I had no problem paying the late fees but at some point I was fed up and decided to go to XXXX XXXX 's in person to pay my entire bill. I asked the represents everything to please advise me of what my bill was and he informed me that it was {$470.00}. I went ahead and paid the entire bill with cash ( I have my receipt ). Several months later I received a bill of {$110.00}. When I called to inquire about the bill, I was informed that when I paid my bill there were other pending fees that I did n't take care of and those pending fees caused additional late fees and that 's why the amount is what it is. The representative was only willing to refund {$37.00}. This is extortion and I feel taken advantage of.