davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Bread Financial Holdings, Inc. (TN)

A wire was sent to my Comenity Direct account on XX/XX/XXXX in the amount of {$44000.00}. However, the Bank did not book in the funds until 3 days later on XX/XX/XXXX, depriving me of three days interest. The Bank justified its ' action by falsely claiming that XX/XX/XXXX was a Bank Holiday, with a subsequent weekend. The XXXX XXXX  Reference Number that proves the funds were received on XX/XX/XXXX is XXXX. 
I request the CFPB compel the Bank to credit my account three days of additional interest.
Consumer complaint received 2019-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal holding back Consolidated joint General account information Merchant bank and processor information Credit card and billing information After XXXX XXXX XXXX And XXXX XXXX XXXX generational family survivors XXXX XXXX XXXX XXXX , Louisiana XXXX complete the signup process, paypal begin configuring and managing service ( s ) within the PayPal Manager, false advertising shadowing work history our online business and service management portal PayPal system accountability maintenance employment professionals promotions Wage and labor investment and good will donations Approval by XXXX XXXX USA holding Annual w2 Retirement update employees employment permanent 401k, Insurance injuries FMLA and pay rate and beneficiaries Dependents Insurance classification verification status years ended XX/XX/XXXX on XXXX XXXX XXXX born XXXX XXXX married to XXXX XXXX XXXX And Dependants Annual address XXXX XXXX XXXX XXXX , Louisiana XXXX update public storage systems accountable systems attached letters of Hornable Discharge awarding Home manger youth development Property Manager XXXX XXXX XXXX XXXX XXXX Birthday errors corrections Now on XX/XX/XXXX
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I have over paid XXXX XXXX by {$360.00}. 
I first called XXXX several times over several months and they stated that the extra XXXX payment is not in their records. 
However, during the same period I called Citi several times and they confirmed that my account statements showed that the funds did come out of my account After speaking with both XXXX and my bank Citibank on numerous occasions, including having my Citi rep on the phone with a XXXX rep on two separate occasions, and including both having my Citi rep fax over my bank statements to confirm that the funds were paid to  XXXX, both companies have refused to make me whole. 
I disputed the charge with Citi and they said that because the transaction was made 4 months ago, that they could not make me whole. Although throughout those 4 months I had been on the phone no less that 15 times  with both XXXX and Citi trying to fix the situation. I am requesting that I be made whole and I would like to only pay for the services that have been rendered to me, and not {$360.00} extra. Thank you.
Consumer complaint received 2019-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NV)

CASE # XXXX an application for assistance was completed with Mr. Cooper ( MC ), in XX/XX/2018. At that time the reported gross qualifying was stated in the amount of {$7300.00}. 
MC, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$2500.00}. 

However, based on front end debt to income ( DTI ) ratios a gross income of {$7300.00}, and a mortgage payment of {$2500.00}, calculates our DTI, at 34.82 %. This amount of 34.82 %, is outside the guidelines set forth by FHA and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. Also please note that at the time our loan was approved for assistance our back end DTI, was calculated at 91.13 %. As a result of the gross negligence demonstrated by the MC, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has specific guidelines for FHA debt-to-income ratios. XXXX is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits. According to XXXX : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % on the front end. The guidelines also specify that back end DTI should not exceed 43 %. According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. Currently these requirements to remain in place throughout the year, since HUD has not announced any changes to them. This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income. 

Needless to say, we are furious that our loan was mismanaged by MC and staff and our family is considering filing a civil suit in order to force MC, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.
Consumer complaint received 2021-09-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (GA)

On XX/XX/XXXX we received a letter saying our CD would mature on XX/XX/XXXX. My husband and I both signed the letter saying to redeem the CD and send funds ASAP. On XX/XX/XXXX I check my XXXX XXXX account where I had purchased the CD and it has been removed, so we assumed dollars were on the way. XXXX XXXX had sold out to US Bank. XX/XX/XXXX I contacted US bank and was told that was not the correct way to redeem but they ( XXXX ) would take care of it and rush it through. XX/XX/XXXX still no check so I called back to US and talk to XXXX who said he would rush it through. On XXXX we contacted my XXXX agent for help and received a call from XXXX, VP at US, saying how sorry she was but was not sure what went wrong. She had no authority to help or even see the records??? On XXXX received a call from US, XXXX saying check was on it way. Each person I requested to go to a US office to get my money and was refused. I ask for the check to be overnighted and was refused. I got upset and said I should receive interest for the time I dont have my money. Said no they could not do that. Today XXXX mail just ran and still no check. Please help. XXXX and XXXX XXXX. XXXX
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

Dear CFPB, I am extremely frustrated with my student loan servicer, Navient. I graduated with a XXXX in XXXX and a lot of debt. I went into repayment in XXXX with Sallie Mae. In XXXX, I received the option to consolidate my loans when I received a letter announcing that Navient would be buying out my loans. At that time, I had been working XXXX years ( full-time ) for a XXXX XXXX  organization and I had just learned about the Public Service Loan Forgiveness. I called Sallie Mae and specifically asked if the consolidation would impact my eligibility for PSLF. I was told by Sallie Mae that I would still be eligible but to wait until after split between Sallie Mae and Navient took place to apply. 

In the summer of XXXX, I took a new job with a different XXXX organization that also meets the requirements for an employer in Public Service Loan Forgiveness program. I sent in the required documents to Navient in late XXXX and was told I did not qualify. I asked " why? '' and that I had spoken to Sallie Mae and they had indicated otherwise. The representative said I would have to increase my payments to an " astronomical level '' and that " the loan repayment plan I was currently on '' did not qualify for PSLF. This phone call left me deeply shaken as I was already paying XXXX a month and could not begin to think what an " astronomical level '' would be. 

I have now accumulated 10 years of employment in a qualifying non-profit or government institutions and have made 10 years of monthly student loan payments via automatic payments ( auto-pay ) tied to my bank account. I have been in repayment for a total of 15 years. Navient shows that I am only 36 % of the way to my repayment date of XXXX/XXXX/XXXX. I will be XXXX years old. 

I feel 100 % cheated. As a first generation college student and XXXX student, I was repeatedly counseled that student loan debt was " good debt. '' While I am grateful to have received the loans to aid my scholarship money, my XXXX XXXX  tuition waivers and part-time jobs, I am deeply disappointed and frankly, angry, that I can not get on top of this debt despite years of faithful repayment and being told I could qualify for PSLF. 

I recently read in XXXX and in other sources that I am far from alone in this predicament. Instead of feeling any consolation, I feel enraged. 2 % of applicants actually qualify for PSLF? Please. I am surrounded by XXXX professionals who make far more income than I do who were also deeply in student loan debt, but their loans are being forgiven by other loan servicers who actually help up their end of the deal. 

Having my Federally guaranteed loans bought out by Navient was not my choice. But now I have no choice but to deal with a company that seems not to care one bit about what student loan debt is doing to people who are trying to contribute to a cause larger than themselves. 

Sincerely, XXXX XXXX ( formerly, XXXX XXXX )
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX  XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.
Consumer complaint received 2022-10-27
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (VA)

I've been getting calls from a " XXXX '' at the " Student Loan Support Department '' teasing with a previously unknown loan reduction program. The call is from XXXX XXXX XXXX, but the callback number is XXXX XXXX XXXX. It sounds fishy. My current servicer is Nelnet, but they're not mentioned in the voicemail anywhere. Just wanted to point out a potential scam. 

Thanks, XXXX
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent letters and called all three-credit bureau 's XXXX XX/XX/2022 and they have not removed these incorrect notations. According to, 15 USC 1681. I did not give no one written consent to furnish anything on my credit report.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am in the process of Refinancing the Home Loan and the XXXX XXXX said I could call Equifax to get a free Credit Report. 
I called Equifax but the Agent completely disregards my request for the Free Credit Report, she instead wanting to process the Annual Free Credit Report that I am already entitled for every 12 months. And, she further to tell me I have to call my XXXX XXXX to get my report. When I asked to speak to the Supervisor, I didn't get to talk to her right away but have to wait for 25 minutes to talk to the Supervisor, XXXX. 

And the Supervisor, is asking whole bunch of Security Question but you could not tell me how many question you going to ask, everything is system generated, things like my Home Mortgage Loan, Auto Loan, Credit Card, etc ... .. 

Equifax is not making it easy for me to get my Credit Report, Can someone help. 
Thanks. 
XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-10-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (GA)

I did a consolidated loan using Best Egg with an advertised interest rate of 8.13 %, but when the payments started Best Egg actually took 31.76 % interest and stated it was written in the contract as " daily charges. '' On XXXX XX/XX/2022, the first payment was made. The loan is supposed to have a set interest rate of 8.13 %, but the first payment indicated an actual interest rate of 31.76 %. 

{$110.00} ( interest ) / {$370.00} ( monthly payment ) = XXXX Fraud was committed. Best Egg advertises quick access to funds and low interest rates in large bold print. That low interest rate will be the first and only thing seen when you login ( I took screen shots ). Best Egg adds on daily charges that are not spoken about and does not match what they advertise. 

There were no wet signatures used. Everything was done online. The loan and contract are invalidated and need to be canceled due to breaking the contract, and false and surreptitious advertising.
Consumer complaint received 2022-10-27
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: Texas Guaranteed (WI)

Company responded XX/XX/22 stating that according to 34 CFR 682.410 ( 6 ) ( 5 ) they are required by federal regulations to report to all credit bureaus. This is in fact true, however, they neglected to state what needs to done before they can report. 34 CFR 682.410 ( b ) ( 6 ) ( ii ) states the following : ( ii ) Within 45 days after paying a lender 's default claim, the agency must send a notice to the borrower that contains the information described in paragraph ( b ) ( 5 ) ( ii ) of this section. During this time period, the agency also must notify the borrower, either in the notice containing the information described in paragraph ( b ) ( 5 ) ( ii ) of this section, or in a separate notice, that if he or she does not make repayment arrangements acceptable to the agency, the agency will promptly initiate procedures to collect the debt. The agency 's notification to the borrower must state that the agency may administratively garnish the borrower 's wages, file a civil suit to compel repayment, offset the borrower 's State and Federal income tax refunds and other payments made by the Federal Government to the borrower, assign the loan to the Secretary in accordance with 682.409, and take other lawful collection means to collect the debt, at the discretion of the agency. The agency 's notification must include a statement that borrowers may have certain legal rights in the collection of debts, and that borrowers may wish to contact counselors or lawyers regarding those rights.

None of this information was given to me at all. Another law broke. I did not wish for them to supply me with the information now as it is already to late. I want this account immediately deleted from my report ( s ) in its entirety.

If you choose not to comply, you leave me no choice but to take this matter to Federal court. I will also notify the Attorney General as well as the XXXX.

Regards.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have been disputing this account for validation, verification and inaccurate information reporting from XXXX  XXXX XXXX. The Bureaus and Creditor have failed to accurately report or removed on my credit report. My husband had the same account on his credit file and it was removed from his with no issue. I have sent countless letters and its still remains on my file with inaccurate information. Please investigate as necessary.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (GA)

I have account ( s ) with Ally Bank. It is an on-line bank and I do not know the routing number. The correct email address for this bank is ally.com. My accounts with Ally include a CD, a savings account and my monthly retirement check is sent directly to them ( Ally ). For reasons unknown to me they have " closed '' or " frozen '' my accounts and I can not access them. I have emailed them and was told that only phone contact is acceptable. They will not communicate with me in any form ( email, chat, USPS ) except via telephone. The problem is that to contact them by phone requires at least two-hours on call-waiting with the wait time close to XXXX to XXXX hours depending on what time of day you call. For me, it is impossible to be on telephone hold for that long of time. They only have one phone number XXXX which for the average person is impossible to use. I am hurting here without access to my funds. As a side note, even if you call them at XXXX XXXX  the wait time is still OVER two hours and many times longer than that. Please help. 

How can your complaint be satisfactorily addressed? 
Can this bank be required to answer their phones in a timely manner? How can I get my account " unfrozen ''?