davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX and I am {$100000.00} in debt. 
My entire life I was told that I should go to college. I was told I would not get a good job without a degree. My dream was to go to XXXX and when I found XXXX XXXX XXXX I thought my dream had come true. The Financial Aid offices said I could go there as long as I took out loans. I was told that once I got my degree I would be able to pay them back based on my income and I would make enough to support myself and pay back my loans ; none of which are true. I began working full time to support myself and ended up needing to drop down to XXXX credits and spent a fifth year getting my degree. If I did n't work I would 've had to leave. My 2nd year-4th year I officially moved to XXXX, was paying New York taxes but I could not become a NY resident despite this and was still subject to out of state tuition which was significantly higher. I disputed this several times but as long as I was in college I was not a resident. 
To pay for school I took out {$76000.00} in private loans ( Citi bank- citi assist ) and approximately {$25000.00} in Federal to get my degree. I have been paying each loan on time for 4 years and I still owe more than I borrowed. My interest rates vary from 3 % to 10 %. A few years back I spent 1 month out of work and requested a temporary deferment on my loans. I knew I could resume in 30 days time and just needed a one month delay. Citibank sold XXXX of my loans to XXXX who then hiked my interest rate up to 10.875 % There is no end in sight for me. I will never own any property. I wo n't get married. I am stuck in an endless cycle refusing to default as my father was my cosigner. This is my life.
Consumer complaint received 2019-02-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AL)

I have paid the same default 3 times. I received the mortgage through divorce. I have sent Ditech my divorce decree, and the Quit claim deed. This company refuses to acknowledge my rights which are the owner of the home. I have been the responsible party of paying this mortgage since I separated from my ex since XX/XX/XXXX. 

1st Time -- On XX/XX/XXXX ( I was two months behind on mortgage payment ), I cured a default of {$4000.00}. I submitted an entire payment of {$4700.00} to cure default. Ditech did not allocate money correctly. I submitted a Notice of Error and this company refused to allocate payments correctly which were described in the Default letter. Sent my ex-husband an escrow surplus check of {$1500.00} knowing the default was not cleared. The first time I paid these fees I compiled payments which consisted of 3 money orders, and XXXX XXXX. I kept copies of all payments sent to Ditech, as well as, post office certified mail receipts. 

2nd Time -- On XX/XX/XXXX, Ditech sent another cure default letter for the same default out ( 2 months behind on mortgage payment ) for the amount of {$2300.00}. This amount shows clearly the default was not allocated correctly. Ditech put majority of the money in escrow. I submitted a payment of {$2800.00} to clear the same default and Ditech refused again to allocate money correctly. This time I submitted a complaint and Ditech paid on my default and left a balance of {$350.00} -- Corporate Advance Balance, {$130.00} Uncollected NSF Fees, and {$20.00} -- Other Fees. The second time I paid these fees I specified through individual money orders on how all money should have been applied for all fees. When I noticed the money was not applied correctly again, I called Ditech and the representative stated the money would be applied correctly and it never was. I kept copies of all payments sent to Ditech, as well as, post office certified mail receipts. Ditech sent an email stating the money was applied for the XX/XX/XXXX mortgage payment. Ditech still disregarded all labeled XXXX XXXX for cure default fees. 

3rd Time -- On XX/XX/XXXX, Ditech sent another cure default letter for the same default out ( 2 months behind on mortgage payment ) for the amount of {$1500.00} As of today, XX/XX/XXXX, I sent Ditech {$1500.00} to cure the default this company will not pay correctly. The third time I paid these fees I through XXXX XXXX, and specified through individual money orders on how all money should have been applied for all fees. I paid Ditech {$1500.00} -- XXXX XXXX, 3 XXXX XXXX -- XXXX ( Late fees ) each, Uncollected NSF Fees -- {$150.00} ( {$20.00} extra by error ) -- Same fees from last time, Other Fees -- {$20.00} -- Same fees as last time, and Corporate Advance Balance -- {$350.00} -- Same fees as last time. My date for right to cure default is XX/XX/XXXX. 

When the money is received by Ditech, I will owe for XX/XX/XXXX mortgage.
Consumer complaint received 2019-02-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TN)

Halsted Financials has called numerous times, at all times of the day from different numbers. When I finally answered the phone, to see who was calling, they would not identify who they were. While trying to receive information on the debt, it wasnt until then that I realized it was the same company. The person on the other end was very rude and didnt want to give any verifying information, only requested money for the said debt. They began to yell and became irate. I have never had an issue with settling a debt, but I feel this matter could have been handled in a more professional manner.
Consumer complaint received 2015-10-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I want to open a business checking with Chase ( JPMorgan Chase ). I have been to XXXX different branch of Chase Bank XXXX, Texas, XXXX off to XXXX, also XXXX off XXXX, both time i have got contradicted information. XXXX time i went to XXXX branch around XXXX on XXXX i was told we need an appointment to speak with a business banker and that is a Chase policy now for opening a business checking account, and business banker was a lunch so i was not able to get help. So, went to the branch on XXXX got some help and spoke with business banker without an appointment unlike the bank on XXXX ( a requirement of the bank ), but was missing critical document so I had to go back no problem, since I did not have correct documents, Then on XXXX, went on branch at XXXX and beltline with all required documents around XXXX, and checked in for a business banker ( also asked the lady that was checking me in and asked a business banker would help me open an account and she stated yes ) but when my name was called a different lady called my name at XXXX or so and found at that same business banker at XXXX went on lunch at XXXX ( that someone went on lunch at XXXX on XXXX ). I waited for XXXX minutes to get help with business banker and once my name was called they found out that a business banker was at lunch at XXXX when a bank closes at XXXX, was told even if she comes back at XXXX that she wont be able to open the account for the business since the bank closes at XXXX and it take longer to open a business account ( I would of waited to open an checking account if i was told i would receive help when that banker came back around XXXX ). I have XXXX questions, why did i wait XXXX minutes for someone to realize that banker was going for day or at lunch, and if that same banker takes lunch at XXXX on Friday and that same banker takes lunch at XXXX on Monday and that branch only has XXXX business banker as per manager on duty, How is that helpful to customer that Chase employees have no policy when a customer need help on it banking issues. And Why was i was refused services when a bank closes at XXXX and that banker was coming back on XXXX? and I am a customer ( personal checking account # XXXX ) at the bank last XXXX digit of the account # XXXX. ( XXXX ) thank you, XXXX XXXX
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

I submitted a permanent opt-out to stop receiving credit card offers in the mail, yet Citi has chosen to completely ignore this request and still sends me junk mail all the time. I've reached out to Citi XXXX asking them to stop and they won't.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TX)

Nelnet is still in violation of FCRA, None of my loans are THE SAME on XXXX or XXXX. My XXXX only has XXXX Nelnet accounts, and the other ones were deleted because the validity is incorrect. I 've disputed multiple times, reported to multiple organizations, I 've even contacted the ombudsman and no one has investigated. XXXX loan on XXXX has XXXX late pays on XXXX it has XXXX and on XXXX it does n't appear. I 've asked Nelnet to send written proof of the delinquencies and they have not. I 've asked Nelnet for copies of the signed contracts between them and my original servicers and they have sent no such thing. Now Nelnet number XXXX core value is the " customer '' but that 's not the case. They have offered no customer service and any dispute the just sent the typical " script '' reply message without any investigation. I need a supervisor and someone in the executive office to handle this ASAP. Every month that I have disputed there HAS BEEN AN UPDATE OR CHANGE which shows they do NOT have the files or info, which is WHY they ca n't sent me any contracts. The next step is to file in small claims court AGAINST NELNET AND THE BUREAUS, because NONE of the governmental agencies are helping as this subject is important. I have every letter that Nelnet sent and every dispute which shows an updated status EACH time. Please delete all Nelnet account from credit reports ASAP.
Consumer complaint received 2022-02-09
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)

I disputed my XXXX XXXX XXXX account with proof of payment and it was updated with a higher balance and as a charge off which dropped my score 74 points when Im in the process of buying a home. This account was paid in full at closing when I sold my home. I provided the credit agency the check that cleared the bank proving it has been paid. I have recently disputed it again with them.
Consumer complaint received 2016-06-02
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (OH)

Multiple times this company has threatened to sue me/file a lawsuit against me for an amount that is far greater than what I owe. Coerced me into giving them my debit card information ( because I was repeatedly told they need to have it on file otherwise the suit would take place regardless ) and repeatedly used offensive language. While on the line with them I was repeatedly yelled at/talked over and told I was wrong. Offered to make payment arrangements with them and this is when I was told they needed my debit card information. I gave it because at that point I was extremely frustrated with the rude and offensive " legal department '' rep on the other line. 
Claimed they sent out an e-mail to me ( which is NOT a legal document ) and then proceeded to withdraw money out of my account WITHOUT my permission to do so. 
Called my bank, had the transaction reversed and blocked the debit card number. 
Called the company back and was yelled at once again that it 's not their fault that I have buyers remorse, they 're going to get their money regardless. 
I informed I am filing a complaint with the XXXX and with the FDCPA as well. 
They kept claiming they would pull up " recorded calls '' and would then sue me and I said fine. 
I understand recorded calls, seeing as I work for a company where every call made is recorded. These will benefit my case because you will hear the manner in which these reps speak to customers and how they repeatedly treat them with disrespect. 
Was then hung up on when I told them my plan. 
Have filed complaint with XXXX and am now filing a complaint with you.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (RI)

XX/XX/XXXX a payment of {$190.00} was made to BJs Comenity account # XXXX from my XXXX bill pay/checking account. 

XX/XX/XXXX my BJs card was declined I called Comenity ( XXXX ) and was told they didnt receive the XXXX payment. I immediately authorized a payment of {$260.00} from my XXXX account. 

I checked my account with BJs and realized the XXXX payments were not credited to my account. I closed the account and filed a fraud complaint. 

XX/XX/XXXX a payment of {$250.00} was made from my XXXX account to BJs Comenity XX/XX/XXXX the XX/XX/XXXX payment was not credited to my Comenity account this error was added to my complaint. 

I received three letters stating that they were investigating my complaint. 

XX/XX/XXXX I met with the vice president of my local XXXX and asked for help. She called Comenity and they hung up on her. She wrote a letter to Comenity stating that the three amounts I was disputing were paid. 

XX/XX/XXXX Comenity wrote requesting a copy of my banking details from 30 days after the payments processed and a letter from my bank XX/XX/XXXX XXXX XXXX wrote another letter with my banking details. 

XX/XX/XXXX Comenity sent a letter that stating : On XX/XX/XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. 

XXXX XXXX I received correspondence from Comenity stating : On XXXX XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit card account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. 

XX/XX/XXXX I received this correspondence from Comenity stating : Thank you for contacting Comenity Capital Bank. As the bank that issues your BJS WHOLESALE MASTERCARD credit card account. After reviewing our records, we can confirm receipt of the following payment {$240.00} on XX/XX/XXXX. We credited this payment to your account. Your current balance is {$0.00}. 

XX/XX/XXXX I called Comenity and was told BJs accounts were now handled by XXXX XXXX. I called XXXX XXXX and was told this dispute was the responsibility of Comenity.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC (NY)

I have a {$500.00} limit on a credit card that I have had for about 2 years and every month there is an obscene amount of charges. Interest charges, member charges I just want to close this account. I just ca n't seem to get it down to XXXX so I can close it. No one answers the phone. I ca n't speak to a person.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Subject : Complaint Regarding Equifaxs Failure to Validate Debt Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their failure to properly validate debts as requested, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). This complaint pertains to their response to my requests for validation of the following accounts : XXXX XXXX XXXX  Account Number XXXX, opened on XX/XX/XXXX, with an alleged debt of {$1300.00}. 
XXXX XXXX, Account XXXX XXXX, opened on XX/XX/XXXX, with an alleged debt of {$4100.00}. 
XXXX XXXX, Account XXXX XXXX, opened on XX/XX/XXXX, with an alleged debt of {$890.00}. 
On XX/XX/XXXX, I sent Equifax a detailed letter requesting validation for each of these debts, specifying the necessary documentation required for validation as per the FDCPA, including but not limited to complete payment history, proof of my identity, proof of debt ownership, proof that the debt has not been written off as a tax liability, and proof of notification prior to reporting the debt to credit bureaus. 

To date, Equifax has failed to provide the requested documentation for any of these accounts. Instead, their communication has been inadequate, lacking the necessary proof to validate the debts as legitimately mine and not meeting the standards set forth by the FDCPA and relevant case law, such as XXXX XXXX XXXX. 

This failure not only questions the legitimacy of the alleged debts but also impacts my credit report and score negatively without just cause. I have attached copies of my letters to Equifax and any correspondence received from them for your review. 

I respectfully request the CFPB to intervene and ensure that Equifax complies with the FDCPA requirements by either providing the requested validation for these debts or removing the entries from my credit report if they can not substantiate their claims. Furthermore, I seek assurance that my rights under the FDCPA are protected and that such oversights are addressed to prevent future harm to my creditworthiness. 

Thank you for your attention to this matter. I am eager to resolve this issue and look forward to your prompt response.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (HI)

I am submitting to follow up on my previous communications regarding the unfortunate incident of identity theft that I have experienced. I am formally disputing certain entries on my credit report that have emerged as a direct result of this illicit activity. The specific entries in question do not pertain to any transactions for goods, services, or monetary exchanges that I have initiated or authorized. In the absence of corrective action, I am requesting the comprehensive removal of any information on my credit record that is attributable to alleged fraudulent activities or deception. The inquiries that require immediate attention and deletion include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

The collection information below appeared on my credit for equipment I already turned in to XXXX XXXX XXXX. I received one letter from a Collection company called XXXX XXXX XXXX   who apparently turned this false information over to another  place called Amsher Collections. I called XXXX three times now about this, once when I first received the letter and a second time to follow up when they gave me their word they word take care of it. If I owed anything it would show up since I still have service with them. The initial claim was for supposed equipment they said I still had ; I move from one apartment to another in the same complex back in XX/XX/2020. I would not have been able to get and continue service with them if I owed them anything. All along they show I owe nothing equipment or otherwise. This is now on my Credit as a hard, derogatory mark ... and of course no one is in a hurry to correct this mistake!! It is wrong this can continue against my clean record at all credit bureaus and I am suffering the consequences!!! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- COLLECTIONS {$160.00} Reported balance Check if you should dispute to remove incorrect information. 
AMSHERCOLLECTIONSERVICES {$160.00} Needs attention HIGH IMPACT
Consumer complaint received 2016-06-13
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I have made requests to Specialized Loan Servicing for a standard or legal size copy of the loan agreement that is allegedly the one I signed. I have been sent some kind of a small version that I can not read because of " reduced '' size. This is not a document.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (OH)

Discover card filed an investigation I received a letter stating I was n't responsible for the charges on the account. Then come to note the lady gets rude and decides to keep my account closed and tells me I need to reapply for a new card. I paid whatever remaining balance was on the account and the account is a XXXX balance and they still wo n't reopen my account.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2022 I deposited a Cashier 's Check for {$10000.00} drawn on XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, NM, XXXX into a Bank of America checking account at XXXXXXXX XXXX XXXX. XXXX, XXXX, NM, XXXX. The deposit slip was dated XX/XX/2022 which was the next business day. On XX/XX/2022 I received an email that a hold was placed on check until XX/XX/2022. I called Bank of America on XX/XX/2022 to say it was a Cashier 's Check but was told nothing could be done to make the funds available any sooner. When I decided to file this complaint I called XXXX XXXX on XX/XX/2022 to see if check had cleared. It cleared on XX/XX/2022. XXXX XXXX gave me a reference # XXXX so this information can be verified. I believe Bank of America has a systemic problem of when deposits made in checking accounts are available. The check was paid on XX/XX/2022 by XXXX XXXX but I don't have access to funds until XX/XX/2022. The Federal Reserve says that Cashier 's Check funds deposited in a checking account should be available for withdrawal in two business days.
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have a loan with CITIZENSONE. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.