davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: DISCOVER BANK (VA)

XX/XX/XXXX as was looking to consolidate my mortgage and my equity line. Knowing this was going to put me near loan to value I specifically asked XXXX XXXX, Doscover Home Loans Officer, about the mortgage insurance. I was assured that it would automatically drop off after five years. Now I 'm told he lied to me by XXXX and that I will have to pay it until XX/XX/XXXX unless I pay the mortgage down to XXXX. I have the specific emails where this was discussed. He even added that it could possibly come off after XXXX but only if I have the loan value down but assured me that after 5 years it would drop automatically. Attached is the email. Now I am stuck paying mortgage insurance for a long time and negating the savings of combining my to loans. It appears that this was possibly just someone trying to close deals to meet quotas and not being concerned about the customer. And yes I am now show. The document I signed at closing. While I am sure the closing attorney XXXX XXXX went over this document I had already made sure I was up to date on the mortgage insurance issue by discussing it in detail with the loan officer. I would like to know what my options are.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

My issues with DFS/ Discover Credit Card came about from a simple inquiry and upon making that inquiry and array a very unpleasant situations took place and I am a very wary and unhappy DFS- Discover Credit Card member. IMO, DFS does not does not document ( provide documentation ) that is sufficient enough for those who chose to use their CC. Back in XXXX to XXXX, I found that I was not issued ANY statement AT ALL- there are 4 months of ZERO documentation, not even a electronic message- NOTHING that provides information in regards to card activity ( or lack thereof ). Granted YES, I understand that due to inactivity, some CC companies/ financial institutions will opt for not providing a statement, however ; I do believe that this needs to be stated prior OR should be CONVEYED to the credit card holder in the membership terms and agreements documents. DFS has failed to do so. Furthermore, upon viewing various statements- there are simply charges that DFS will indicate as ( ONLY ONE EXAMPLE ) - TRANSFER BALANCE- MISC. I am writing this because, I WILL NOT BE PAYING DFS- DISCOVER CC for such " items ''. I have contacted DFS SEVERAL TIMES about this problem- I have also brought this issue [ PARTICULARLY, the FACT THAT IT IS QUESTIONABLE TO ME WHY I WOULD HAVE 4 MONTHS OF STATEMENTS THAT ARE NOT RECORDED/ DOCUMENTED ] up when speaking with the Customer Advocacy Executive , XXXX- when speaking to him in regards to the first complaint that I had issued to the CFPB. According to XXXX, DFS- Discover Credit Card is not OBLIGATED to provide statements, and furthermore, informing DFS members prior/ or in the Cardmembership agreement is not really their responsibility- this is of course, what I personally, got from his wording during our conversation. I have the entire phone call between XXXX and I recorded, however ; due to the fact that I had informed XXXX that I would be recording our conversation, and him responding by clearly stating that I did not have his permission to do so- his response will just have to be up to debate between him and I, since this is essentially just TWO people hearing/ saying one thing, while the perception of that one thing can ultimately be up for debate. I am going to end this by stating that I WAS COMPLETELY UNAWARE THAT ONE SIMPLY INQUIRY IN REGARDS TO ME ASKING DFS TO KINDLY LOOK INTO A MAXIMUM OF A TWO HUNDRED DOLLAR DISCREPANCY, COULD TURN INTO SUCH AN ORDEAL. I am reaching out to the CFPB for its assistance, unfortunately, I am having difficulty trusting DFS/ Discover CC yet I am unable to cancel my account because I AM afraid that ALL OF MY DOCUMENTATION WILL NO LONGER BE ACCESSIBLE.
Consumer complaint received 2020-04-17
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: CITIBANK, N.A. (TX)

Hi I have raised two complaints with CFPB related to fraudulent activity by Best Buy Credit Card Services and Citi where there were two hard hits put on my account Complaint Numbers : XXXX AND XXXX I have received a response from Citi that this was going to be resolved and the hard hit will be removed from my report but that has not happened and still I have two hard hits Request you to please escalate and get this resolved
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. In 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (TN)

I have been banking with Suntrust for a few years. I have two checking accounts and savings accounts. I have my payroll direct deposited every two weeks in my account. I use my debit card for all my purchases. Recently my account was froze on XX/XX/2017 for some unknown reason. I am not able to make purchases, or pay any bills since my bank account has my funds in it. I have not received any correspondence in the mail regarding my back account. No one online or in person seems like they can help me, or tell me why my account is like this. I have my income tax being deposited in my account in the next two weeks and it looks like I will not be able to get that money since my account is blocked. That will be another 3 months to receive a normal check. Meanwhile I am depending on the check to help me pay off some loans. I feel like I am being treated unfairly. These funds are my funds and they should not be able to freeze them for an account review without a reason of why.
Consumer complaint received 2016-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I submitted my request for the REPAYE program on XX/XX/2016. As of XX/XX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program. On XX/XX/2016, I filed CFPB complaint number XXXX. On XX/XX/2016, FedLoan responded to CFPB and said that it would put me in {$5.00} reduced payment forebearance and then place me in the REPAYE program after it received my payment. I made the {$5.00} payment on XX/XX/2016. FedLoan then sent me a bill dated XX/XX/2016 for {$920.00}. For comparison, my previous payment under IBR was {$26.00}.
Consumer complaint received 2016-12-28
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: SUNTRUST BANKS, INC. (NY)

I possess a Sun Trust Visa Prepaid Gift Card in the amount of {$120.00}. I have never activated or used this card. The Card does not expire until XXXX2019. I should have a balance of {$120.00} on the card as it has never been activated or used by myself. However, SunTrust Bank has taken {$100.00} in fees for from the card before I have even used it. There is now a {$25.00} balance on the card due to fees that were taken without my knowledge or authorization. I am very upset and perplexed and I feel that this is immoral, unethical and theft of services on behalf of SunTrust Visa. I never entered into or signed any legal contracts agreeing to the terms and conditions of this card. I was not aware that funds would be withdrawn from the card by the bank until I checked the Balance on the card. The Bank was paid in full by the purchaser of this card and now they are taking the funds back for absolutely no reason. The Bank received the amount of {$120.00} from the purchaser and they are taking the money that they have already been paid. I find this to be a travesty and illegal. So now the Bank is making {$240.00} from a card that is worth {$120.00}. How can they sell the card and then take the money back. The card does not expire until the year 2019. I have never activated nor used the card. So why have the fees been taken? This is a travesty and unethical for the Bank to take Fees on a Card that was Paid for. I should not be penalized for this. I have tried to speak with a Supervisor who claims there is nothing he can do for me so I am filling this complaint. It is with great hope that Justice will prevail in my favor and that the funds will be reimbursed to me.
Consumer complaint received 2015-07-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

My private student loans are serviced by AES and XXXX. My co-signer was contacted by AES about the past due amount and was informed that my monthly payment amount could be lowered to {$350.00} per month for 12 months but I would have to contact them. Also they would report the delinquency to the credit bureaus in 3 weeks if a payment was not received. Previously I emailed a letter in XXXX 2015 to AES stating that due to a reduction in hours at my employer, I could only afford to pay them {$350.00} per month not the {$710.00} they were asking. I contacted AES on XXXX/XXXX/2015, to inquire about the new payment option and was told that I do not qualify. I find it very funny that AES likes to bate and switch, XXXX minute you qualify and the next you do n't. Sounds like AES is running an illegal practice.
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc. (CA)

Attached please find the XXXX report which confirms XXXX of the XXXX tows that occurred with this vehicle, XXXX XXXX XXXX door XXXX VIN XXXX which not only needed to be towed on it 's last day with me to the dealership ( it apparently needed a new transmission and could not be driven - buyer beware ) but over the course of my lease ( please see my documented tow history via XXXX ) this vehicle was towed XXXX additional times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I paid out of pocket for these additional tows because I did n't have 5 hours to wait for XXXX XXXX assistance which is exactly what took place on XXXX XXXX, XXXX when the car was towed and returned. This car is a LEMON by law and XXXX needs to withdraw a collection agency report for {$700.00}. The entire life of my lease should be returned.
Consumer complaint received 2016-09-08
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Services (GA)

Identity theft and a large sum of money stolen from a company that I thought was helping with Student Loan Consolidation. 
On XX/XX/XXXX, I spoke to a representative from Student Loan Services about loan consolidation. They said that for an initial fee of {$350.00} and then XXXX for 3 months to follow and then no payment for a year. I agreed to it and went on with the process.I gave them my XXXX XXXX XXXX account information ( which is since closed ) In XX/XX/XXXX I noticed that there was a CA address on my credit report and a few other things that looked fishy so those were disputed. I then got an approval letter from XXXX XXXX saying that my loans were consolidated and that I could sign onto my online account.I then got locked out of my online account due to wrong spellings of names and wrong answers to security questions ( even though I was answering them with the right answers. ) I then called XXXX XXXX for help and they told me that Student Services was not a legit company.I also got communication from XXXX from Student Services in XX/XX/XXXX and he called me XXXX XXXX instead of XXXX which was already a red flag in my book. I am out a good sum of money and would like my money back from them. It is not fair that this had happened. 
Desired Settlement I would like my refund. 
Business Response Contact Name and Title : XXXX XXXX Contact Phone : XXXX Contact Email : XXXXXXXXXXXX To Whom It May Concern :
Consumer complaint received 2016-07-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (PA)

I continue to receive calls from the CBE Collection group to return their call to handle a debt situation. I currently have an excellent credit rating with no outstanding debt, I keep current with regular payments and the record indicates that with on time, never late, and never missed a payment. Calls originate in XXXX and CA with the following caller ID 's XXXX ; other numbers received include XXXX ; XXXX associated with " US Treasury '' I would appreciate these uninvited/unwanted calls to stop.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

1 - I called Navient to inquire about paying the balance of my loan off and was told that I needed to pay the balance + future interests. The terms of my loan state that there is no early re-payment penalty, but paying the balance + future interest sounds exactly like an early repayment penalty! I understand paying past interest, obviously, but why would I have to pay future interest on a loan I want to pay-off? 
2- I also went into forbearance for a while due to unemployment and continued to accrue interest during this time 3 - I called to see if I could get my payments changed to match my income ... the response was a payment amount WAY above what I could reasonably afford with local housing, food, living costs under consideration.
Consumer complaint received 2016-02-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I am have been making payments to Navient private loan company.They incorrectly reported to credir bureau affecting my credit greatly even after trying to make better affordable payment arrangement because i am still in school. I have asked about ways to reduce payments, balance, and interest. I am constantly being charge to set up forbearance or interest reduction without sufficient evidence why or where the money goes. They falsy advertised on website for loan settlements with payment plans and told me I have to pay the full settlement in one payment. They are charging large late fees and increased interest and harassing me with collections by phone and email.
Consumer complaint received 2016-05-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Co-borrower on XXXX private student loan and the debt is past due. I have made several attempts with the lender to adjust the payment amount but they wont do it. I sent a cease and desist letter to the lender to stop all calls unless they were taking a specific action on the accounts. They are still calling after receiving my letter. 
They called on XXXX/XXXX/2016 at XXXX XXXX from XXXX and I told them I had a cease on all calls. They said they can continue to call. 
They called again on XXXX/XXXX/2016 at XXXX XXXX from XXXX and they were told to cease all calls because the letter is on file. They still refused to stop calling. 
Received another call from XXXX on XXXX/XXXX/2016 at XXXX XXXX from XXXX, XXXX # XXXX, and I told him to stop calling because I have a cease letter on file. He said they can continue to call. 
I called the same phone number back on XXXX/XXXX/2016 and XXXX, Emp # XXXX, answered and I had a discussion with her about ceasing all calls. She said that only applies to automated calls. She hung the phone up. 
I called back again on XXXX/XXXX/2016 and XXXX answered the phone. I asked to be transferred to a supervisor and he would not answer my questions or transfer the call to a supervisor. He eventually said a supervisor would call back. 
A supervisor called back and said that the Fair Debt Collections Practices Act gives them permission to still call even though I have given them a written letter to stop calling.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

Navient is not processing my payments for upward of 7 days!. All the while interest is still being charged on the principal due before the payment! I am sick of it! This continues to happen even though I complain every time I make a payment. 
Acct # XXXX
Consumer complaint received 2016-05-20
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Navient Solutions, LLC. (IL)

I was told by General Revenue that I committing a crime by not paying this debt, this debt is from coming out early from XXXX University. This collection company said that I could be wage garnished/Bank levy/ or much worse. This company was not professional at all. I do not feel that it is right for a collection company to accuse and slam the consumer with how they are committing a crime. Everyone will one day go through hard times, but this company was rude and barely would let me talk to explain why the debt was in their office. I eventually paid it but I never heard nor got any documentation from them stating it was paid/closed. I requested it also but nothing at all.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Experian allowed XXXX to report a debt on my credit report that has already been paid and removed three times. This is the third time experian has reinserted previously deleted account. Please permanetly remove account with action professionals XXXX.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

On XXXX I filed a complaint against Experian in regards to XXXX incorrect reportings on my credit file. The original case # is XXXX with the CFPB. I was disputing the fact Experian is reporting a State Tax lien against me and also Experian was still reporting XXXX student loans from XXXX XXXX that were paid and closed and XXXX stated that they would stop reporting the debts on my credit file. I disputed with all bureaus after XXXX XXXX made me aware. Since then XXXX XXXX have deleted the reporting of these loans. I contacted CFPB in my original complaint on XXXX. the response from Experian was that they would remove the students loans from my report. it is now XXXX and these loans are still reporting on my credit file! Experian told me they would remove them but yet they are still reporting them! i 'm attaching the response from experian that states they will delete the student loans! No other bureau is still reporting this but them!
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Inaccurate information is reporting on my consumer report.. Please consider this dispute & formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) XXXX is NOT my account 2 ) XXXX is NOT my account 3 ) XXXX is NOT my account 4 ) XXXX is NOT my account 5 ) XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX I never lived at this address 9 ) XXXX I never lived at this address 10 ) XXXX I never lived at this address 11 ) XXXX I never lived at this address 12 ) XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I have a written a letter to XXXX Customer Service, in XXXX XXXX, XXXX XXXX, on XXXX XXXX, 2016, explaining to them that there some misunderstanding on my loan number # XXXX, I paid this loan in the amount {$100000.00} this loan was paid in full by my XXXX XXXX in the amount of {$1000.00} for the entire amount, still they list my account as Negative for payment as if I had made any effort to pay it? What is honest man suppose to do when you pay your bills in the right way? I have enclosed evidence for this accout-SEE ATTACHED.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IN)

There was an incorrect tax lien filed in XXXX County Court in XXXX 2016. In XXXX 2016 the Indiana Department of Revenue notified the court to EXPUNGE the entry as it was done in error. All other credit agencies removed the entry however Experien has not
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XX/XX/2016 Reported Since : XX/XX/2016 Date of Status : XX/XX/2016 Last Reported : XX/XX/2016 Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY