davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

First, pleased be informed that I had to select XXXX XXXX College from your selection portal but in your records you will see that my complaint and documentation has been on XXXX XXXX College, now defunct and has been for a while, XXXX, Louisiana. When I did not select a college on your list, it would not allow me to go further with this complaint. 
Received an email dated XX/XX/2017 from CFPB that I need clarity on. I submitted complaints on Navient ( XXXX XXXX ) which they in turn tossed it back to XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ). Your complaint site clearly lists student loan as an area where complaints can be logged on these agencies. So with all the detailed info submitted in complaint number XXXX and XXXX, I received this reply from you : " After reviewing your complaint, it appears the Consumer Financial Protection Bureau can not pursue the issue you described. CFPB does not have any jurisdiction over any local, state, or Federal Government agency. '' So why even take complaints on any student loans that are given by banks and agencies like XXXX XXXX and Navient if it is not in your jurisdiction to assist with the complaint? Are not banks and XXXX XXXX and Navient backed by federal government loans by XXXX and such? 

Looking forward to your reply. Also please be advised that I had to contact Navient to get promissory note that they had sent to you in attachment but never to me although they told you they did and when they did send it, it only had second page of note, bearing my signature and social security number. I called them and asked if this was a joke and requested it be sent again and then I finally received the promissory note in full.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (KY)

We went on XXXX XXXX last night to get more information about starting the process to refinance our home. Starting at XXXX am this morning, we have received 21 phone calls from a XXXX area code. After multiple calls, my husband picked up three times and requested to be removed from the call list. Calls still persisted and so I called a gentleman back ( who had previously left a message ) and told him to please remove us from ALL call lists for his company. He said he can take us off of most of the XXXX area code phones but that his company is " pretty persistent. '' 21 is an unacceptable number of calls for being from XXXX ( which is very early! ) to XXXX, and I consider it a form of harassment!
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter requesting to have these incorrect addresses removed from my credit report as they don't belong to me. 

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
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (IL)

I have disputed with XXXX and Experian about the alleged XXXX on my credit file. I asked for verification and the reply was The circuit courts, and from XXXX XXXX. I have reached out to the circuit courts and obtained documentation stating that the courts do not share information to any credit bureau or third parties. XXXX XXXX investigated the information as well and deleted the alleged bankruptcy. Pursuant to section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) .Experian and XXXX is in violation of my rights.
Consumer complaint received 2021-02-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian you have been requested in over 100 written communications, since XX/XX/2020, if a liability obligation reported on your credit report requires a signed document evidencing an enforceable auto lease agreement and to provide a copy of this written agreement? 

Your most recent CFPB XXXX communication undeniably represents compelling evidence of your willingness to participate in unusual and deceptive commercial practices.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

I was never served any documentation of eviction. I went to the court and got documentation of the plaintiff 's false eviction. On their proof of service it states address XXXX XXXX XXXX # XXXX XXXX, CA XXXX. That is the wrong unit number. My unit number was XXXX not XXXX. How can you possibly serve someone at two different unit numbers? I moved into my new apartments called XXXX XXXX XXXX and I attached my lease agreement which I signed XX/XX/2018. The plaintiff 's proof of service contradicts and doesn't make sense whatsoever. The proof of service states the plaintiff signed the proof of service XX/XX/2018 but I moved into my new apartments XX/XX/2018. It states in the court papers that this was because of possession back to the plaintiff, it was never about me owing rent. My husband tried to pay rent XX/XX/2018 and the temp that was assigned at the leasing office stated that she will not accept our rent which is a violation of the tenant protection act. The plaintiff violated the Tenant protection act and increased the rent numerous times in the past 4 years we lived at XXXX XXXX XXXX. The tenant protection cap annual rent increase is supposed to be at 5 % which the plaintiff violated. On XX/XX/2018 the plaintiff filed court papers of entry of default, judgement and writ. Superior court returned documents to plaintiff and was unable to process the entry of default and judgement of writ because their attorney misspelled clients name or misinformed the courts of the spelling of their own clients name. I would like this information to be removed from me and my husband XXXX XXXX credit report.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CT)

PROBLEM As of XX/XX/XXXX Ive been trying for 2 weeks without success to get an updated pay-off quote for a 30-year mortgage Suntrust Mortgage ( balance {$14000.00} ). The problem is SunTrust is slow to update its own records about my paid flood hazard insurance ( XX/XX/XXXX-XX/XX/XXXX ). And despite having sent 2 copies of flood insurance policy & repeated contacts, I can not get any action from either customer service or insurance department @ Suntrust. If I call, I wait 10 minutes to get rep, get disconnected or get robo message that I dont have an account ; if I try to get on Suntrust chat I get frozen screen error message or log in [ XXXX ] get error message web site experiencing problems. 

HISTORY I have had continuous condo association-paid flood insurance through XXXX XXXX XXXX for duration of loan. Suntrust sent me XX/XX/XXXX notification letters : ( XX/XX/XXXX my flood insurance is expired, XX/XX/XXXX thanks for providing evidence of flood insurance, XX/XX/XXXX flood insurance is expired ). Since XX/XX/XXXX indicated no problem, I concluded that XX/XX/XXXX was a system erroralso a past problem. In interim Suntrust placed {$1000.00} in my account mortgage escrow to cover bank-issued XX/XX/XXXX- XX/XX/XXXX flood insurance. 

On XX/XX/XXXX my insurance agent emailed XX/XX/XXXX- XX/XX/XXXXcondo association flood policy to SunTrust & got confirmation receipt from same [ XXXX ]. SunTrust insurance advised me on XX/XX/XXXX that scan had not been received. On XX/XX/XXXX a 2nd copy of the flood policy was faxed directly from XXXX XXXX to SunTrust insurance dept ( 3-way phone call between l me, SunTrust Customer Service, XXXX, and XXXX XXXX ) again verified receipt. On XX/XX/XXXX customer service could not provide an updated account balance. Also on XX/XX/XXXX I emailed XXXX area mortgage loan officer XXXX XXXX who was unable to assist me other than to give me customer service phone # I already had. On XX/XX/XXXX my on-line account with SunTrust Mortgage shows escrow of {$1000.00}.
Consumer complaint received 2017-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC. (TX)

In XX/XX/XXXX my credit score dropped 50 points due to an added debt collection item by ABR Recovery in  the amount of {$1500.00}. My credit report stated I opened the accountXX/XX/XXXX I am not aware of this debt. OnXX/XX/XXXXI sent a certified Letter of Verification of the debt to ABR Recovery LLC which was delivered and accepted on XX/XX/XXXX. I have not received any of the requested information or proof that this debt belongs to me. It is now passed 30 days since I requested the information from ABR Recovery LLC. I am requesting the company to remove the debt collection item from all of my credit reports immediately.
Consumer complaint received 2017-10-08
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: BARCLAYS BANK DELAWARE (VA)

There is a Barclays Bank credit card that has appeared on my credit score. I do not have this card or any other with Barclays Bank. I have not applied for ANY new credit cards. Apparently this may belong to someone else with the same name. there was no use on it at the time it was brought to my attention. Thank you
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Marital Home was foreclosed on in XX/XX/XXXX, and the time of the foreclosure my now ex husband and I were in the process of divorce. In XX/XX/XXXX, the ex was given the marital home with order to pay all financial responsibilities on the home. 
Despite calling XXXX XXXX to update my address, I was never provided with any information regarding when the loan was defaulted on, remedies which were being discussed between my ex and XXXX XXXX, any updated information about the foreclosure or any information what took place during this process or how to find out about anything on the loan for which I was responsible. Furthermore, I later discovered the ex withdrew my name off of the Homeowners Insurance policy prior to the divorce and added his son on the policy with XXXX XXXX. I also later learned that XXXX XXXX paid my ex a sizeable amount to vacate the premises and give up the keys to the home in return for his Right of Redemption. However, none of this information was ever discussed with me and I only found out the Home was actually foreclosed on in a subsequent divorce hearing in XXXX County Family Court. 
In addition, Ive had to answer in court process to XXXX XXXX for the HELOC Loan which  was also secured by this Home. XXXX XXXX has had zero problems in reaching me by phone and mail, which it has sent documents regarding this lawsuit against me, which is currently in ongoing lawsuit. However, Ive yet to receive any information again regarding the information described above in 1st lien for this debt. 
The ex had the financial ability to pay both of these debts, however simply choose not to pay to ruin my credit, make sure I received no equity or the possibility of securing the home later. XXXX XXXX also changed both monthly bills addresses for the 1st lien and the HELOC lien to my exs company address, which was conveniently hidden from me. While I understand Regions Mortgage can not be held responsible for my exs lack of communication, I am appalled something like this is allowed to happen without any consideration of my input when I too was responsible for the Note.
Consumer complaint received 2021-07-13
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. (GA)

I sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX & XXXX XXXX XXXX Account # : XXXX MXXXX Account XXXX XXXX XXXX, XXXX & XXXX
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked that this information be removed from my credit report and so has the Collections Company. The information is still listed on my credit report and I inquired again and the collections company sent another letter saying they're deleting the information from my report.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

I had my account locked because something weird happened when I was moving my crypto from my vault to my wallet and I didn't want to take any chances. So I called the toll free number Coinbase has for potential fraud, it recognized my number and automatically locked my account down. Which is fine. Then I contacted the company to inquire about the anomaly that spooked me and after two weeks, and repeated emails, they never responded. Then I tried to get my account unlocked online. However in the intervening time between contacting Coinbase the first time and my attempt to get my account unlocked, I got a new phone ( kept the same phone number. ) There is a multi-step process to get the account unlocked ( which is good ), but one of the steps requires getting some numbers generated on my phone through the XXXX XXXX app that is linked to Coinbase. Well I downloaded the app onto my new phone but it couldn't link it with Coinbase and was unable to receive the code. So I am unable to unlock my account. The Coinbase web site says there is a way to get things unlocked by bypassing the need to generate a code, but when you click on the link to bypass, it takes you to a page where it asks to generate a code through the Authenticator app! So I'm stuck in a closed loop and can't get my account unlocked. I have contacted Coinbase support ( they no longer take calls, you can only go through their contact page ) to ask for help in getting the account unlocked. I have sent three emails. Each time I have gotten an auto-generated response providing information that doesn't help and a notice that they are very busy and it might take a couple of days to hear back from them. Well it's been several days past that and nothing. In addition, when I did a search online, I found hundreds of other complaints posted by people who are also experiencing problems with Coinbase and are getting no response from tech support. I'm a XXXX citizen with no income and the money that I have invested with Coinbase represents a huge part of my savings. Not being able to get my account unlocked is causing me a great deal of stress and worry. Please help. Thanks!
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I 've had an account open with Conns Credit Co since XX/XX/XXXX that is showing as delinquent since XX/XX/XXXX as delinquent. However, there has never been a missed payment on the account. 

The company acknowledges an accounting error, and after months and months of contacting them to rectify it, nothing has occurred. They have exhaustive notes in my file of the situation and repeated calls as well. 

I am still paying on the account and are not reflecting those payments. 

The account is inaccurately reporting to show a balance of {$2800.00} and are offering a settlement offer of {$1200.00} as if the account is charged off.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

a salesman from XXXX sold me a phone saying it was better and cheaper than my XXXX, said try it and if you do n't like it just send it back within 10 days to void your contract, i said OK and drove to my cabin in XXXX for a weekend and the phone had no service.so Monday morning ( 3days ) i sent the phone back XXXX ( insured ). billed 90 days later!!!!! and call XXXX and tell them the same thing ( give them all u.p.s.info ) ... 3 times, and 3 times said they would resolve it ... .now im in collections ( XXXX ) for a phone i never could use .... how is this possible? there just taking advantage of people.not fair ... ... .... : (
Consumer complaint received 2020-05-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (FL)

On XX/XX/2017, XXXX XXXXl filed motion for substitution of counsel on behalf of Reverse Mortgage Solutions Inc. The stipulation reflects that XXXX XXXX signed a consent to substitution of counsel as Vice President for Reverse Mortgage Solutions Inc. Florida is a Judicial State therefore every single document filed by a plaintiff, it is subject to defendant review and/or request specific information pertaining to the documents. 
At this juncture we are asking Reverse Mortgage Solutions Inc, to produce specific proof in that XXXX XXXX held the position of Vice President. Florida Department of Corporations does not reflect that XXXX XXXX ever held a VP Position with the company or any other job title. In Florida or any other State when you a held a position such as company treasury, president, assistant vice president, you must be on the record in order to be on Corporate bank accounts and have signing power to all and any documents. 

According to the Stipulation filed on behalf of Reverse Mortgage Inc, XXXX claims to be Vice president of Reverse Mortgage Inc, yet as mentioned before the Florida Department of Corporations does not have any record of XXXX XXXX. Where did Reverse Mortgage Solutions acquire this name XXXX XXXX? From a credit card promotion naming XXXX XXXX? We believe she does not exist.
Consumer complaint received 2015-09-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (KY)

I went online and went to XXXX XXXX. Castle payday responded. We really needed the money to buy my son 's school clothes and pay our bills off. Well we called Castle Payday and talked to the associate. I asked her about the final bill and she even stated like the email said we would be paying back {$800.00} for the {$600.00} loan. The lady did say that the first payment would be {$210.00} for the first payment and we could setup our payment plan or could pay more each time to get the bill paid off quicker. We have paid them the XXXX back and now we find out that we have only been paying the finance fee.. What? I have never in my life heard of paying every two weeks {$210.00} and that not going toward our bill. I do not know how to proceed further with this.. Please advice me what I can do legally to get this matter taken care of.. We will have paid them {$800.00} but to them we have only been paying the finance fee.. I cant believe this.. we have paid Castle Payday Loans our bill of {$80000.00}, However Castle Payday is still saying that we still owe them the {$800.00} I do not know what to do.. If their is anyway that I can get some advice please help.. Castle Payday was very misleading to us as customers.. 
XXXXXXXXXXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NJ)

To whom it may concern My consumer rights were violated Under the Fair Credit Reporting act 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.