davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Hello, I made a payment of {$740.00} on XX/XX/XXXX. I called on XX/XX/XXXX to have the payment directed to my Dept of Ed loan. I was in informed the first time that it would be done by XX/XX/XXXX. Since then, I have called multiple times including today XX/XX/XXXX and have been given a different date each time. I am super disappointed in how my payment is handled and due to the lackadaisical approach, the interest continuously increases. This money of {$740.00} I am expecting to go straight to my principal but with this incredibly long delay, I am unsure. 

I have already called four times to inquire about redirected payment and I am on week 3 of still waiting for that payment to be processed. All I keep getting is that it is in process and a different date for when it will be taken care of. Well guess what its NOT!
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

2 years ago I entered into trial modification with Shellpoint mortgage servicing after they rejected a loan modification with keep your home California. I made all of the payments on the Trial modification. For the last payment, the representative refused to accept my phone payment claiming that the amount had now increased several hundred dollars. This was unfair. 

Shellpoint sent me a letter later asking about making a lump payment to bring the monthly mortgage payments down to the loan amount. Each time I requested the exact amount of the lump payment I could not get an amount as I wanted my payments to be the same as the trial. This was unfair. 

Because they would not accept my payment I fell behind as they subsequently would not accept mortgage payments for a month unless all months were paid. This was unfair. 4 months ago I sent them an Ach transfer from XX/XX/XXXX they sent it back. I purchased a XX/XX/XXXX cashier Check and they sent rejected it and refused to accept any payments. 

The single point of contact was changed in XXXX and provided no options The company made no effort nor provided any options. The company and representatives have been rude unprofessional obnoxious, call and then say they have nothing to offer so why do you keep calling. They never considered me for any loan modifcations and set a sales date. 

The company is unethical and requested a payment for arrears for {$29000.00} to bring the loan current. The initial point of contact said she would send me a letter of immenient forclosure to send to my TSP for a withdrawal. She has no knowledge of TSP and was ill informed. In her mind a TSP is the same as a 401k. It is not. She said she gave me a month to withdraw funds out of my tsp,. This is a lie as TSP is not a 401k and NO NO NO withdrawals are allowed until the new laws take effect that will allow for withdrawals on XX/XX/2019. The initial single point of contact provided no other solutions. No lower interest rates. No change in monthly mortgage amount. Nothing at all. Totally unhelpful did nothing at all to help keep my home, They refuse
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Citibank is not honoring the terms of their promotion to open a new checking and savings account. I had to open at a new Checking and Savings account and deposit $ XXXX as well as make 1 direct deposit each month for 2 consecutive months. The promotion stated that I needed to maintain $ XXXX between the two accounts for 60 days.

I deposited and maintained well over $ XXXX in my account for 60 days as well as made 8 direct deposits in that 60 day window. Not only did I call multiple times and was assured that I had met my requirements to get the {$400.00} promotion, BUT Citibank themselves even sent me an email 60 days after opening the account, stating that I had satisfied my transactions and would get the {$400.00} in 30 days. 

30 days pass and I call them back. They again tell me I have met the requirements and that they will need an additional 30 days to add funds to my account. I called back after those 30 days ( This is about 120 days since opening the account now ) and they told me they will not be paying my promotion because of some technicality where they have to close my savings account for not having funds NINETY DAYS OUT. I spoke to multiple reps at Citibank that told me I did not need to distribute the $ XXXX between checkings and savings accounts ( aside from assuring me that I'm in line to get my promotion ), it is also not stated anywhere that it is mandatory ( they even mention depositing the promotional amount to your open of the two accounts if one is no longer active. AND MOST OF ALL, the promotional requirements ended 60 days after I open the account, I should have already been paid the {$400.00} after ninety days. 

I called them a few days later and notified them that I can send them the email I received to show that they THEMSELVES told me I has earned the bonus. They told me " no need, just tell us the date we sent the email and we'll look it up on our end '', and so I did, to which they confirmed and told me the funds would be in my account within 48 hours or 2 business days. 

I opened the account in XX/XX/XXXX and it is now late XX/XX/XXXX and they are dragging me around with no end in site for a promotion I've already earned. I'm frustrated and irritated to say the lease. Please help.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

I received a letter from Citicards regarding Citi Payment Safeguard Classic an optional program for which you are charged a monthly fee to protect my card in the case of job loss, XXXX, or loss of life. This was the first time I had heard of this program, but the letter stated I was enrolled in the program. I called the number provided to cancel and inquire if charges had been made to my account. I talked to XXXX different people after being transferred multiple times. First I was told the charges began in XXXX, then another representative said it was since XXXX when I opened my account. This all was without my knowledge or agreeing to this program. I have been unemployed twice during this period and hospitalized. I could have used this benefit in each situation. After being assured I was canceled from this program I asked to be refunded the money and file a complaint. No person was available to talk to me, I was given a XXXX address and told it was going to take 30 days for my inquiry to be acknowledged. No phone number exists fro me to follow up on my claim as XXXX the customer representative told me they do not even have a number connected to the XXXX. Her concern was whether the phone calls had been handled correctly, not the issue I was trying to resolve.
Consumer complaint received 2019-07-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Upon entering my repayment period, upon graduation in XX/XX/2011, I was unemployed and needed to reduce my payments to their lowest possible amount. I was repeatedly advised to choose forbearance rather than IBR despite being eligible for the latter and despite the fact that the latter would result in a $ 0 monthly payment and the former resulting in accruing more interest.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (KS)

XXXX has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through Home Depot. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. XXXX has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.
Consumer complaint received 2021-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The victim discovered on XX/XX/XXXX on her XXXX credit report a fraudulent Bank of America credit account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Company says they sent a letter of verification, they did not, and representative refused to send me a letter to verify that the debt belonged to me with proper identifying information, then told me I would be sued for the debt even though I can't verify it belongs to me. 
I disputed the debt before because they did not have the correct information according to the first representative, they claim that they do but will not allow me to see what information they have.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (KY)

I received a Walmart Mastercard/SyncB credit card in the mail to my home address onXX/XX/2019. 
This card was opened fraudulently, apparently on XX/XX/2019 ( possiblyXX/XX/2019 ). 
I call the credit card company number listed in the letter that came in the mail with my credit card. My call was on XX/XX/2019. I was connected to the company 's fraud agent. I informed the company that the credit card was opened fraudulently and without my knowledge. I asked the account be closed immediately and the company investigate this identity theft. I was told the account would be closed immediately, and I will receive a letter from the credit card company for follow-up. 
I am now writing this complaint to CFPB on XX/XX/2019.  As of XX/XX/XXXX US mail, I have not received a letter from the credit card company. My understanding this was for me to provide further written information for their investigation. As of XXXX ( EDT ) on XX/XX/XXXX, at least 1 credit bureau lists this account as still open. 
The company has erred twice here. First, opening an account fraudulently ( possibly with inaccurate information ) ; second, being non-responsive.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (OH)

I have recently been a victim of a Identity Theft. As a result, I filed a report with FTC, Ohio State Attorney General and other local agencies. This, unfortunately, is the 2nd time as someone filed Federal and State IRS taxes, fraudulently in my name. The Feds and State have records of this.

Well, this recent Identity Fraud involved filing Unemployment Claims in my name. This is under an active investigation. With this being said, I was instructed to pull my credit report. And to my surprise, this Company Plaza Services was reflecting with a {$2800.00} balance. 
I do not know this company or what this said, debt is from. 
When I looked them up and called them to verify and validate thisdebt, the rep REFUSED to do so. 
She said they do not have any info on this debt, such as original dates, payments, amounts owed or collected on. She couldnt give me any information as she said, they dont have to, if I wanted tosettle, I could, but she wouldnt give me any other information. 
This is reflecting on my credit report and as a victim of Identity Fraud and in compliance with Fair Debt Collections Act, I am entitled to this information. 
I want this removed from my credit and thisdebt collection company investigated for violating my rights in addition to unfair and unlawful business practices
Consumer complaint received 2019-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group (FL)

I have recently inquired that there has been an offset on my IRS tax return from the US Department of Education and lender XXXX XXXX. The offset was in the amount of XXXX and was taken over a decade ago back on XX/XX/XXXX I have confirmed the dates and amount with IRS, The Bureau of Fiscal Services, and the Treasury Offset Program. However, this amount has not been subtracted from my actual loans.On XX/XX/XXXX I have made at least 10 phone calls to different departments and agencies to help resolve my issue and continue to receive more contact numbers that go to voicemail recordings.Or I am refered back to a non existent loan carrier/ lender. Can someone please help me get this resolved as I really want to fix my credit score most important.thank you
Consumer complaint received 2019-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to  see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Greater Collection Agency Bureau, LLC (MI)

I have received NUMEROUS calls from ( XXXX ) XXXX that threaten legal action with no information regarding who I owe, what the debt is, what the amount is, etc. They have also contacted my son, my employer, and my daughter 's place of employment. This is harassment, plain and simple. I tried to call them back and received a recording that I did leave a message on requesting information via US mail and to cease and desist with the phone calls. In the recording they list their company as GCAB. An internet search for that company pulls up a very sketchy looking website.
Consumer complaint received 2019-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am convinced that credit bureaus do not really investigate disputes. They just send generic responses. Experian will not handle my dispute correctly. I keep sending them an itemized bill from XXXX XXXX XXXX that clearly shows they have not correctly reported the correct date of when the account went past due. They are re-aging debts illegally to leave accounts reporting longer than 7 years on the credit report. Please see attached docs.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024 I received a text message from Wells Fargo informing that someone was trying to access my account in the amount of {$3500.00} at XXXX XXXX and whether I recognized this transaction and I replied " NO ''. I immediately received a phone call from XXXX XXXX ( XXXX ) XXXX who explained that the protocol to block this transaction was to send money thru XXXX. She attempted to have all XXXX sent at XXXX time and was unsuccessful. She then got her boss on the phone XXXX XXXX ( XXXX ) who then instructed me to perform XXXX transactions. XXXX for XXXX and another for XXXX which was completed confirmation XXXX and XXXX. I then received a text that stated that the XXXX transfers were cancelled. I received a phone call on XX/XX/XXXX from XXXX XXXX ( employee # XXXX ) stating that I shouldn't use mobile app for XXXX days. On XX/XX/XXXX XXXX XXXX ( Fraud Manager ) attempted to have XXXX wired to him however Wells Fargo was able to put a stop on this transaction. I immediately informed Wells Fargo of the above fraud. I was informed they were unable to refund me for the funds sent thru XXXX because they were not insured. They stated that they were responsible for the app " working '' properly and they closed my claim.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (MN)

I sent a 609 letter to Equifax onXX/XX/XXXX21 disputing 2 accounts i mailed them certified they received them on XX/XX/XXXX-21 it now XX/XX/XXXX21 i have not received a response from them I sent a 30 day dispute letter to Equifax onXX/XX/XXXX-21i mailed them certified they received them on XX/XX/XXXX21 it now XX/XX/XXXX-21 i have not received a response from them
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NJ)

Somebody used my identity info and attempted to open a MACYS/CBNA credit card. I was alerted and contacted XXXX and Macy 's to remedy and get the inquiry reversed.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I received a card from Cash App that I never requested. When I called to let them know, they asked for my email address and told me I had to click on a link to cancel the card because they needed a picture of the front and back of the card. I have never had a Cash App card, again, I never requested one and I will not be clicking on any links sent by a company who is refusing to cancel a fraudulent card in my name.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX Chase bank made the MISTAKE of paying someone else 's CHECK through my SAVINGS account. When upon DISCOVERY of this ERROR in XX/XX/XXXX, I reported it to Chase. Their employee insisted this was a case of FRAUD, to which I strongly objected. Nevertheless I was told my only recourse was to file a fraud complaint. 

I filed a complaint and was told my claim was UNTIMELY because they considered it fraud. Again, as a SAVINGS account customer, I am not supposed to have to look for CHECKS clearing my account. 

In XXXX XXXX Chase bank LOST my tax refund check ( almost $ XXXX ) which I had deposited at an ATM with a DEPOSIT slip. Rather than deposit the check, it was rejected for no reason I was able to ascertain over the phone. And so on XX/XX/XXXX I went to my branch to find the check and also to address their egregious error in handling my savings account. I left that meeting with no progress in locating my check ( which has now been missing for two weeks ) and a new complaint filed on my behalf to get my {$460.00} back. 

I checked on the complaints filed the following week by telephone as I was out of town. I was assisted by XXXX XXXX over the phone. No closer to a resolution, I now file this complaint. For mishandling of my savings account and mishandling of my tax refund.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am asking for experian to remove all accounts on behalf and also {$1000.00} for each violation on my credit report! I was denied a mortgage due to late payments being published on my behalf and also the inaccuracies on my credit report! XXXX is furnishing late payments and also accounts that are fradulent! I did not give written consent by law it is illegal! Also XXXX is a debt collector that has no factual info of me opening this account! XXXX continues to violate my consumer rights! Also they have several addresses I asked for them to remove that they did not remove.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (CA)

The car ( XXXX XXXX XXXX XXXX has been paid off for over a year. I never recieved the title ( lien release ) so I called and they re-sent, never recieved it again so I had them send to my Mom 's address in NY. Still never recieved it so I had them send it to my dads, still never received it so I gave them my new address, and still have not recieved it. 

I just got XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and need to register my car in California, but I have no lien release to do it with. The title department and westlake portfolio managment is unreachable. I've called probably XXXX times and I am never able to get anyone who cares enough to get me my lien release.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (KY)

I paid off my XXXX XXXX loan from Money Lion on XX/XX/XXXX of this year.. on XX/XX/XXXX Money Lion reports to the XXXX agencies that the account is a charge off and then I owe {$47.00} or did they charged off XXXX and something but still owe XXXX the loan is paid off. I disputed it once came back They said they corrected everything and everythings accurate. it also dropped my credit score by XXXX points..