davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX I received a call from a gentlemen identifying himself as XXXX XXXX with a badge number of XXXX from Citibank. He told me that there had been a hack of my account activity on my Citi account and the case number was XXXX. 

Upon further discussions over the course of XXXX to XX/XX/XXXX, he requested that I move funds from my account to safeguard them. 

As a result of the conversations, My checking account and my money market account had fraudulent ACH, XXXX and wire transfers that completely depleted all my money from both accounts. Those amounts were as follows ; XX/XX/XXXX ACH of {$1000.00} to XXXX XX/XX/XXXX Wire of {$48000.00} XX/XX/XXXX Wire of {$18000.00} XX/XX/XXXX Wire of {$2500.00} XX/XX/XXXX XXXX Debit of {$16.00} to XXXX XXXX XX/XX/XXXX XXXX Debit of {$440.00} to XXXX XXXX XX/XX/XXXX ACH Debit of {$10.00} to XXXX XX/XX/XXXX ACH Debit of {$5.00} to XXXX Citi sent some email notifying me of some of the transactions, but never reached out on the wires to inquire as to why I would be wiring this amount of money when I had never wired money previously.
Consumer complaint received 2021-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

On XX/XX/XXXX I spoke with Mohela to request my student loan payment plan and payment history. They said I would receive it in the mail in 7-10 days. I did not receive it. I spoke with them again on XX/XX/XXXX requesting it again. I was told that they are not able to keep those records and that they could not send them to me.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts blow has violated my federally protected consumer rights to privacy confidentiality under 15 USC1681. 
XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXXXXXX - XXXX, XXXX XXXXXXXX XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX US Dept Of ED XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX - XXXX, - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Section 604 A Section. States i have the right to privacy.

15 U.S.C. 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account with0ut my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any following items of information Any other adverse items of information other than records of convictions of crime which antedates the the report by more than seven years.

15U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to that the information is inaccurate.
Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

Navient has claimed to accrue Capitalized Interest  more than once in    2013   (  {$1700.00}  ) ;  however, the principal of my account continues to increase. Their practices have only increased my monthly payment and have made it nearly impossible to pay off the student loans.     My account summary states that no recent interest has been capitalized and the account remains in good standing, but the principal of the remaining outstanding balance is nearly the same {$23000.00}.     The current amount due has increased at least twice over the life of the loan, yet the balance remains the same. I was forcibly recommended to admit forbearance in  2013  and only wish that this company stop harassing me to continue along this path, making it impossible to pay back the remaining balance.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX of 2014, I attempted to complete a balance transfer from my Bank of America card to a different card with a lower interest rate. The transfer for some reason did n't go through and the {$2500.00} credit card balance was returned immediately back to Bank of America. What I did n't realize until now, is that they converted that {$2500.00} credit card balance to a cash advance balance, which has a much higher interest rate. It was never a cash advance, it was a failed attempt at a balance transfer. I 've been paying an extra 4 % interest on that XXXX for a year and it has been expensive. Also, my payments are not going entirely for paying off the highest interest part of the card, they are being applied equally to both the credit balance and the " Cash advance '' balance instead of directly to the highest balance part of the card. If they would have applied my payments over the last year to the correct balance, it would be paid off by now. When I called them to ask for a resolution, the XXXX from BAnk of America just kept interrupting me and saying " it 's a cash advance, it 's a cash transaction '' again and again, when she had already said " your credit balance that you tried to transfer was immediately returned to us. '' She admitted it was a credit balance that was immediately returned, but refused to honor the credit balance interest rate. 

Please help me fight these evil people.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (PA)

Wrong amount property management didnt submit my rental assistance as I was approved for it and it wouldnt be any debt. I will like for this to be deleted. Opened XX/XX/2022. XXXX XXXX {$14000.00}.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MT)

My credit report show I have a credit card I have no knowledge of. I disputed the card with XXXX and the dispute was resolved but the card remains. How is that? In the credit report there is a street address for the bank. There is no phone number of web contact. I have been removing these unannounced credit cards from my report. As I said, I have no knowledge of this card. I get no correspondence from them. I have not activated the card. I want the card gone. Can you help me. The bank is CITICARDS CBNA, XXXX XXXX, XXXX XXXX, SD XXXX. 

I do n't understand what the advantage of these credit cards are. The are not used. They are not known about unless you track your credit report.
Consumer complaint received 2015-10-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (GA)

I got a {$5000.00} loan from Sallie Mae and before I could pay it off I had to file a chapter XXXX bankruptcy. I got a letter from sallie Mae saying my loan was charged off. Two or three months later they called me to pay the loan off. Before they let me start back paying they say I have to pay {$1000.00} up front then they can put me on a {$100.00} a month payment plan. I only paid {$35.00} originally but they say when you file bankruptcy you loose that payment plan. I am still in school and do n't have {$1000.00} to give them upfront. What can I do?
Consumer complaint received 2015-03-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I called Overton Russell Doerr and Donovan because I received a letter that a judgment would be placed against me. when I called there company I was greeted with rudeness and utter disrespect. I was first told they would not speak to me with out a phone number, when I gave them my phone number they said it was unacceptable and they needed another, I tried to explain it was my only cell the rep refused to listen and kept claiming i was lying and it does n't seem like a real number so i asked to speak with a manager. When the manager came to the line she said the same that the number i provided sounded fake and that they were doing me a favor by trying to help and that they could just hang up and sue me. when I said caller ID would verify my phone number the manager then started to say i sound like Im on speaker phone and she would hang up immediately if she was, when i advised that she was n't, she said she better not be or she would hang up and forward my account, I told the manager that I just wanted the original bill because I had some discrepancy she stated that all I was doing is stalling and that " guys like you never want to pay there bill '' after that I was so upset I said just send me the bill and hung up the call.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

I am unable to access my account to make payments. The website gives me an error message : " Due to a problem with your account, you may not log in at this time. '' Previously the website would not allow me to make a payment or view statements. Now it isn't even allowing me to log in. Screenshot attached.

I believe this is retaliation from the company for reporting the previous problem to the CFPB.

This is after I already reported this issue to the CFBP in a separate complaint that was not resolved : The website for my account has not allowed me to view statements or make payments for the last several months. The company 's customer service is non-existent, inaccessible and non-responsive. The attached screenshot proves this. This has caused me to be late on several payments.
Consumer complaint received 2018-03-16
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. (CA)

Department of Education is showing a school loan on my credit report. This is NOT a school loan. It is not through the Department of Education. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT Department of Education. The amount of {$730.00} is incorrect, the Account name of " Department of Education '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from XXXX, XXXX and Transunion already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.
Consumer complaint received 2016-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (OR)

I have been dealing with debilitating medical issues since six months after graduating from college. I applied for XXXX clearance of my loans through SallieMae and was denied the first time around. I filed a complaint and within a week was asked by SallieMae to send in a new XXXX application. As frustrating as it was to have to ask the doctor to again fill out paperwork that she had already filled out I complied. My account was apparently placed on an administrated forbearance while the application was processed. However, I was not notified that this was the case ( and my elderly grandmother, who is the cosigner, kept receiving calls and mailings asking for payments, which she made ). After waiting for months for information on the application I received a bill for a very random amount. I called to inquire and after being put on hold for almost an hour and being transferred four times I was finally informed that my XXXX application had been approved. They told me to ignore the bill that everything would be cleared by the following week. After speaking to my grandmother I found out that she had made a payment of several hundred dollars just a few days before and the money was taken despite the XXXX application having been approved!!! It has been a few weeks now and I just received a statement that my monthly payment of more than {$500.00} is due in XXXX! I just called and was informed that I should just ignore it and that it should be cleared before the payment is due. I will try to explain this to my grandmother ( who is nearly deaf ) and hope that she does n't pay the bill again. The customer service and communication of SallieMae has been both manipulative ( in taking advantage of my Grandmother ) and lacking ( as no one informed me even when my XXXX was approved )!!!
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XXXX of XXXX Select Portfolio Servicing paid my homeowner 's insurance a month before it was due. I was going with a new company due to a lower rate. I contacted SPS and they informed me that they had paid the previous company the higher amount. At that time they paid the new amount out of my escrow account. The old insurance sent me a refund and I sent SPS {$1300.00} via my online bank stating escrow only on XX/XX/XXXX. This payment was applied to monthly payments. I have been contacting them since then when I receive my monthly statement and it has not been corrected. I am told it has to go for review and will take 30 days for approval to be placed back into my escrow. On other occasions i am told that an email has been sent to a supervisor to escalate the situation. I ask to be sent to the escrow department and the representative tells me she is the escrow department. They also state a manager can't help me. I have been transferred to managers who state the same thing. " Let me email my manager to escalate this. My escrow analysis arrived in the mail that shows my payment will increase from {$620.00} to {$680.00} to cover the {$1600.00} escrow shortage. Even though they show my insurance and taxes have decreased. This is the second increase since they took over servicing my account. My escrow never increased while through XXXX. I even set my payments to be {$50.00} extra towards principal every month. I am needing someone to help me correct this issue because they are not moving the money into my escrow. My statements still say I don't have a payment due until XX/XX/XXXX. As of this date my second installment of my property taxes have not been paid. I just found out that my property taxes are now late as well. I never had an issue with my prior company. 

XXXX XXXX XXXX Select Portfolio Servicing Account number:XXXX
Consumer complaint received 2017-01-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2016 I applied online to open a Citibank Account Package checking account. This was done in response to their website promotion ( code CZKD ) which promised a {$400.00} credit ( to be paid within 90 days ) after having maintained a {$15000.00} for 30 consecutive days. A total of 120 days. I fulfilled the 30 day requirement on XX/XX/XXXX. Today, XX/XX/XXXX, I have yet to receive payment or even confirmation that payment will be forthcoming. CitiBank has only told me that they have 'opened an inquiry ' but offers no further information. There are hundreds of similar complaints lodged against Citi in the CFPB database. Their promotions appear to be empty promises.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion has refused to provide either the required free credit report or to provide even after I paid online for the report. Phone calls are routed to a call center in another country and they simple will hang up or transfer you back to another person in the same call center.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (WA)

Jefferson Capital Systems LLC is trying to collect a debt that was originally owed to XXXX ( XXXX ). This account was settled with the original creditor, and is now reported as paid. Despite requesting documentation that I owe them this debt, Jefferson Capital LLC, can not or refuses to produce such documentation, and continues to illegally attempt to collect this debt via telephone calls, letters, and lawsuit.
Consumer complaint received 2020-08-26
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. (CA)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. US DEPT ED XXXX {$920.00} XXXX XXXX   XXXX {$200.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX   XXXX {$20000.00}
Consumer complaint received 2015-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: NAM National Arbitration and Mediation (TX)

I received a call on XXXX XXXX, 2015 from a man claiming to represent the 'Legal Department XXXX . '' I immediately asked why he called me and he was very rude saying, " I was trying to help you, but now you can see the judge. You are up on fraud charges and I 'm sending the constable to your house. '' The number does not match any law enforcement or government enforcement in XXXX, Texas. I have a recording of the representative threatening CRIMINAL charges against me. I was never told what this was about, except they represented a client ... a bank that is not in Texas. The phone number is XXXX XXXX XXXX.
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing both accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. I am attaching the most recent statement.
Consumer complaint received 2016-02-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GEORGE MASON MORTGAGE, LLC (VA)

We closed on XXXX/XXXX/15 with George Mason Mortgage, prior to closing we were all aware flood insurance wood be required for the property at that time. I asked for everything related to the payments to make sure all insurances were covered. The lender shopped and provided the flood insurance company, they included the premium in the closing disclosure as well as the monthly cost. XX/XX/XXXX I started looking through the insurances that protect my home, I noticed I did not have proof of coverage for the flood insurance. I called the insurance company that would provide the coverage per the closing disclosure, I was informed I had no coverage because payments were not made. I contacted my lender and asked why the payments were not made, they stated the settlement company was holding the funds. The settlement company stated they never received such funds. The lender finally accepted they failed to send payments and also stated they did not include this amount in the escrow. XXXX I received a new closing disclosure with a higher amount for the flood insurance. As of today, I still do n't have the insurance coverage that was supposedly already paid. Per emails from the lender, I am being asked to sign the new closing disclosure with the date from the original closing. The premium payment for the insurance and the certificate have been lost to the lender since they have n't paid for the policy nor refunded them back to me. I am also being instructed to commit fraud by using a false date on a document because they are having trouble selling the loan.