davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I co-signed one of my daughters XXXX student loans, now Navient, and when she became XXXX I started making payments even though they kept applying it to her other loans. I then was laid off from my job and became unable to continue making the payment amount they requested. I offered to pay less but they refused to accept less. They then sent me to collection and ruined my credit which was always excellent. I am now living on social security only and unable to make any payments since I am well below poverty level. I am requesting this loan be discharged and my credit be restored to what it was. Please help.
Consumer complaint received 2022-02-11
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. (PA)

First of all, I've now opened up over XXXX CFPB complaints against Equifax. The CFPB really needs to take action because Equifax, being the WORST of the XXXX credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, policeXXXX FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my XXXX credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at Equifax because they took off this XXXX credit card that has been repeatedly asked to be added back on for almost 4 years now by both Equifax and XXXX. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, XXXX removed the XXXX card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking XXXX, Equifax, and XXXX to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.
Consumer complaint received 2016-01-31
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I have bought XXXX XXXX 2011 XXXX from XXXX XXXX XXXX , XXXX . I was going through a Bankruptcy at that time. I paid {$10000.00} down and rest financed by Wells Fargo Auto loan. The Finance department said to me that my interest would be 17.990 % because of my bad credit. Since I was in desperately needed of a car I agreed to the above interest. But I realized that they took advantage of my desperate situation and exploited me of my bankruptcy situation. This is unfair because in 2011 the average auto loan interest was less than 3 %. 
I strongly believe that the XXXX XXXX management and Wells Fargo deliberately duped me to pay high interest. 
I have been paying the monthly installment of XXXX for the past XXXX months that equals to {$40000.00} for the loan of {$30000.00}. 
This is unfair and please makes sure that Wells Fargo write off the balance of XXXX and take the lien from the title. 
Paying 18 % interest is like cutting your throat and I work 90hours per week to meet my both ends meet.
Consumer complaint received 2016-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WY)

I was sent a letter giving condolences for my death. I called and informed the company that I was very much alive. Another letter was sent that my mother received while at my house- it caused her quite a fright. I have yet to hear anything back from the company either way, and have not had any of my automatic payments taken out for months. I absolutely refuse to pay any late fees or interest that is tacked on.
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (RI)

I signed up for the Citigold Checkings account from Citibank on XX/XX/XXXX. I signed up for the account because they had an offer saying that if {$1000.00} of purchases and 1 bill payment were made within the first 3 months of opening the account, I would receive XXXX XXXX XXXX Reward miles. I have contacted Citibank various times through phone, secure messages and chat. In these ocassions, I 've been told that I had fulfilled the requirements and I would be getting my miles soon. It is now XX/XX/XXXX, and after contacting Citibank one more time they are telling me that I do n't qualify for the offer and that I wo n't be getting the reward miles.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

First of all, I've now opened up over XXXX CFPB complaints against XXXX. The CFPB really needs to take action because XXXX, being the WORST of the XXXX credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, policeXXXX FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my XXXX credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at XXXX because they took off this XXXX credit card that has been repeatedly asked to be added back on for almost 4 years now by both XXXX and XXXX. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, Transunion removed the XXXX card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking Transunion, XXXX, and XXXX to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.
Consumer complaint received 2019-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SYNERGY ONE LENDING, INC. (CA)

In XX/XX/2016 I worked with synergyone lending for a mortgage of {$230000.00}. I am a XXXX  and they promised me that they were authorized to help me take part in a XXXX grant program. After constant phone calls all through the process about how to do it and making sure everything was right, I started my application and put in my offer. My offer was accepted so I started the work of going through the loan process. I was in contact with synergy one and XXXX XXXX 's loan team until the week before I was supposed to close. During the month I continually asked to lock my rate. They said that was not possible, which I later found out is a complete lie and was actually illegal. Suddenly at the last week, they disappeared. I couldn't reach anyone. No one would return my calls or answer them. They had a secretary consistently say they couldn't talk. Then, when my closing date was already past due, they finally contacted me and said that I couldn't do the XXXX grant program anymore and if I wanted to close on the loan, then I'd have to accept the one they put up for me already. Everything was changed. The loan terms, the interest rate quote, the amount I had to put down. In the end they cost me about {$18000.00} that I was expecting to pay towards the student loans I had, that I now get to pay interest on instead. This group out right lied to me and did illegal things. I posted on yelp and was contacted by their Vice President who said it was just and unfortunate incident and they couldn't do anything about it anymore. These criminals should be locked up.
Consumer complaint received 2019-02-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (CA)

I received a debt collection letter from Williams & Fudge Inc for the College of XXXX Nevada stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX, XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything.
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Phoenix Financial Services LLC (GA)

The date is XX/XX/2018 for {$410.00} I spoke to the company several times before they sent me to collections and explained to them that my insurance covers the bill and to contact my insurance. I informed insurance that they would be calling and verified that I was covered for service. I did this numerous times and even sent the company contact names and numbers to call at the insurance company. I never received a response back until I started getting calls from debt collection companies. I just feel it's unfair for them to send me to collections without working with me to solve the issue. I can see if I was a rude or nasty speaking person but I always gave respect and just wanted the situation resolved.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

Citibank 's Credit Card division is charging me a late fee. I sincerely apologized for any inconveniences caused on my end. My card was not valid since the end of XXXX so I did not know there was any balance being carried on my card. I was sent an email by the Citicards, saying a small balance was due, and immediately went to pay the full balance owed on the account when I saw this but was charged fees on top of this balance. I made the payment through my checking account with Citibank. I do not seem to be the type of consumer that the Citibank Credit Card division would credit charges of {$25.00} to automatically. I made such a request through the bank 's online messages. I have been a good cardholder for the company since 2010 and would appreciate continuing the relationship in good faith. I would be open to taking any action which Citibank would be agreeable to to be credited the late fee including closing some of my accounts.
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Escrow and Title Services, Inc. (MI)

Complaint against Bell Title Agency and demand for Evidence of the payment to XXXX XXXX XXXX on my behalf. 

Dear CFPB, please find my complaint against XXXX XXXX XXXX and Bell Title Agency and my demand to produce me proof of wire transfer receipt to evidence Bell Titles payment to XXXX XXXX XXXX on my behalf, from my alleged loan with pretender Lender XXXX Mortgage. 

On XX/XX/XXXX I had a closing with Bell Title XXXX XXXX XXXX XXXX who was my closing agent. 

According to Bell Title agent XXXX XXXX, Bell Title allegedly received wire transfer from XXXX Mortgage as my loan and presumably made a payment on my behalf to the sellers alleged lender XXXX XXXX XXXX for his $ XXXX mortgage in XXXX. 

However, XXXX XXXX apparently has absolutely NO records or any proof of any money received from Bell Title or anyone else neither on XX/XX/XXXX or any other time. 

On XX/XX/XXXX XXXX XXXX team informed me that they received enough money sometime in XX/XX/XXXX (! ) but failed to identify when, who much and from whom XXXX XXXX received these money. 

On XX/XX/XXXX XXXX XXXX team asked ME to provide them evidence of payment on my behalf! 

I can not provide them any evidence of payment on my behalf since it was allegedly made by Bell Title who refuse to provide me any evidence of receipts of wire transfer from XXXXXXXX XXXX  or any receipts of wire transfers from Bell Title to XXXX XXXX on XX/XX/XXXX or whenever Bell Title send these money to XXXX 

I demand Bell Title to provide me proof of receipt of payment on my behalf to XXXX XXXX XXXX, when exactly this payment was made ; who sent this payment to XXXX ; and how much money was sent. It must be a copy of wire transfer, or cashier '' s check or ACH ; and the warranty of payment by Bell Title 's responsible officer who made this payment. 

I demand XXXX XXXX XXXX to obtain proof of wire transfer ( ACH, cashier 's check ) receipt from Bell Title sent to XXXX on my behalf and provide me a copy of this receipt since Bell Title never provided it to me.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NM)

I received a Bill of an amount i supposedly owed which i didnt, the amount is {$510.00}. The company is from Texas and I live in New Mexico, it is called Convergent outsourcing , inc . This isnt the first time they send me Bills, they mispell my name. My name is XXXX and they mispell it XXXX. The people working there are very rude and dont help at all, ive asked them to put XXXX on phone and i stay waiting for hours. I strongly feel this company is scamming people. I suspect this company is targeting people of XXXX since this company is from Texas.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ME)

In XXXX XXXX our daughter who was XXXX years old at the time had a XXXX within one week. She is know XXXX. My wife was forced to leave her job at the XXXX XXXX so she could take our daughter to multiple weekly appointments which continue today. Unfortunately the loss of her income did not leave us any choice but to file CHXXXX bankruptcy. The trustee made small monthly payments to OCWEN while we were under bankruptcy protection. Our case was discharged on XXXX XXXX XXXX. I have spoken with OCWEN several times over the past year and submitted paper work many times for a loan modification. Each time they said they never received all of the paperwork. My remaining balance with Ocwen is around {$100000.00}. I meet all of the criteria for a government loan modification yet they keep denying me. I have been forced to hire a law firm to protect my home. My current mortgage percentage rate is 9.2 %. If OCWEN would work with me and lower our interest rate and monthly payment, we could retain our home. Our home is the only thing my wife and I have and would expect OCWEN to follow federal guidelines and not give us the run around.
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TX)

This has been on my credit for over 7 years. After 7 years it 's supposed to drop off of my credit! .... plus I have no idea what this is even from. I have had lots of fraud on my social security number. Even the IRS has contacted me about this.
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (FL)

XXXX & XXXX are reporting inaccurate information. The account Global Lending Services XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''
Consumer complaint received 2019-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc. (CA)

Some used my personal information on XXXX. XXXX billed me for {$100.00} when I was not doing any business with them or using their services in any way. I provided them legal documents proving it was identity fraud. I filed bankruptcy and my attorney told me to list the debt to get it XXXX. I did, notifying both XXXX and CBE of the filing and then once the Chapter XXXX XXXX  was granted. I have made it clear to CBE at least three times after the discharge, mailing them copies of the judge 's order and how they were violating the law by continuing to bill me. I get another bill today, they are still billing and reporting on a debt owed which is not.
Consumer complaint received 2019-02-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: F.H. Cann & Associates, Inc. (IN)

My loan was turned over to FH Cann and Associates when it went into default due to monthly payments of over {$1500.00}. I sent them income information and was told I could consolidate and get back on track. I called to find out what else they needed in the process and was told that it was to late ; they had sent paperwork for garnishment to my employer. They used my income verification paperwork to obtain my employers information. I was not informed ahead of time, although they claim to have mailed notice. I never received it. Although I asked to be set up with a voluntary payment, they stated there was nothing to be done about the garnishment. I was then told that my garnishment would not even be enough to apply to my principal, it does not even cover the interest of my loan of over {$160000.00}. Im afraid that I will be stuck in this never ending cycle of debt for the rest of my life. I did everything I was asked to do, and the information requested that I voluntarily submitted was supposed to be used to help me ; instead it was used to immediately pursue garnishment without my knowledge.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

I have been fighting the irresponsible behavior of citi cards for last five months. After I complained about it three months back, citi deposited XXXX Thank You points in my account which I had asked in my complaint with CFPB. Then all of a sudden, citi reversed XXXX points without my permission. Now, the XXXX points have also gone. I am seriously concerned about the IT system citi has in place. These kind of irresponsible behavior has caused tax payers billions of dollars in past to rescue citi bank in the past. But, it seems citi does n't realize it and keeps on doing mistake after mistake and makes customer suffer. I would suggest CFPB to take strongest possible action against citi bank till the IT system is fixed and is certified by an independent firm.