davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (CA)

I am unable to access my account information with customer service. They indicate that I do n't have security questions/answers on file, therefore they ca n't verify my. Never have I been presented with the ability to complete said security questions/answers. The account was originally created with AmTrust who was then acquired by New York Community Bank. Since then, I 've been locked out of my account via their website and can not get assistance on the phone due to the lack of said security questions/answers. I do n't receive paper statements, they are online only so I have no visibility to what is going on with the account. I was n't too concerned about this since I have n't used the account in several years. Yesterday I received a overdraft notice in the mail on the account for {$8.00} and customer service ca n't assist me in determining why/how, again due to the lack of said security questions/answers. I 've provided them every piece of identifiable information I have ( account number, name, SSN and address ), yet this is not sufficient verification to assist me with resolving this overdraft issue.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from experian saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks XXXX
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

My challenge is that there is a Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, why is it reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Debt Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (IL)

I have received an alleged " Collection Notice '' on XXXX/XXXX/2017. Debt is from XXXX c/o Credit Management LP. Allege due amount is {$200.00}. I have immediately contacted the XXXX ( my internet provider and the ONLY XXXX that I have brought service from ). Their security department told me that they do not own " XXXX '' and have not heard of this company before. They also verified that my account is still in good standing and there are no debts sold. I then Immediate contacted Credit Management LP with the phone number that provided on the allege " Collection Notice '' Which is XXXX. I have refused to provide my names and any of my personal information when I called. Instead, I gave them the reference number, client number and Creditor account number that they provided on the allege " Collection Notice '' and told them that I do not own such debt and please remove all my personal record from their records and do not contact me ever again regarding this fake fraud debt. If this fraud/scam continues, I will contact my lawyer and seek litigation against their company. First time I called them and said the above statement, they immediately hung up on me and the second time I called, I said a very similar statement, the lady on the phone said " Thank you '' and hung up on me again. I have kept a very close eye on my credit report. So if there are anything fraud is happening I will go above and beyond to seek legal actions to protect my rights and my properties. and to ensure there are no more victims falling for this scam.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LendUS, LLC (CA)

I am an elderly with a mortgage on my condo with RPM Mortgage. They kept sending me letters asking for proof of insurance and provided a fax number to fax in the information. XXXX I faxed the proof of insurance on XXXX XXXX and XXXX XXXX 2015 ; and yet I just received a letter from them dated XXXX XXXX 2015 saying they have purchased insurance at my expense from an affiliate of their at XXXX time the cost of my insurance. Also, my insurance shows RPM Mortgage as the Mortgagee and the insurance company sends the RPM a proof of insurance directly as well. There is no reason why RPM should even need me to fax them proof of insurance. What RPM is doing is harassment and to sell insurance that their borrowers do n't need. They clearly have proof that I have insurance and yet their policy seem to be to ignore all evidence and just force their insurance on you. 
I want them to refund me the {$1500.00} they charge for my insurance when I already have insurance and to stop harassment me. 
Thank you
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Stenger & Stenger, P.C (MI)

garnished my bank account in XX/XX/XXXX S.S.A. funds.XXXX then snatched my wife 's State income tax XX/XX/XXXX return under joint return injured spouse w/o me having any income at all.This has been going on for 16 years.every 8 years they claim I make a payment to them admitting this debt.going to some judge and gettihg an extention on collection.Ido n't know who the debtor orginated with only STENGER/STEGNER are the liars persuing this.pubic action
Consumer complaint received 2015-10-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (KY)

XXXX County Ford Dealership faked my signature on a credit application for a {$3500.00} cash advance from Ford Credit Services. I discovered this issue once I received the payment booklet for the XXXX/Ford Credit Services in the mail. I am XXXX years old and was taken advantage of by Ford Credit Services in this transaction. 
I did dispute this loan with Ford Credit Services and was told by them that they did not have RESEARCH whether fraud was committed against me that they instead dismissed my Consumer Credit Loan Dispute without any investigation, since they received a letter from the Ford Dealership that I did agree to the loan with them even though their was no evidence presented by the dealership to Ford Motor Credit that I did apply for this loan. 
I believe Ford Motor Credit Services should be fined by the XXXX Government for not upholding my legal rights under Regulation Z of the fair credit act, since they directly told me they did n't investigate any fraud activity and simply agreed with the Ford Dealership. 

I want Ford Credit Services to investigate my fraud claim and if found that fraud was discovered have my Ford Motor Credit Services / XXXX loan closed.
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (FL)

On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest. 
The Barclay card offered 0 % interest for 14 months and I decided on it. 
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email. 
My first billing statement showed no interest being charged, as expected. 
However, my second billing statement showed interest of {$25.00}. 
The third billing statement showed interest of {$3200.00}. 
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month. 
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did. 
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail. 
When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (PA)

A representative from XXXX XXXX XXXX contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.
Consumer complaint received 2016-10-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Rodenburg LLP (MN)

On XXXX/XXXX/16 I received a letter for the exemption I faxed a letter showing that the last time I received assistance was XXXX/XXXX/2016 which was within 6 months from receiving this letter I faxed it back to them on XXXX/XXXX/16 along with a letter that my children receive free lunches. They told me that the exemption was not valid even though it was within 6 months and that the free lunches is benefit for my children. I told them that I was applying for assistance again and then sent them an email that I received on XXXX/XXXX/2016 that I was approved again for assistance. They said the email did not work on XXXX/XXXX/16 I sent them the approval letter that I received that the first payment for assistance was on XXXX/XXXX/16. In the meantime my check has been garnished knowing that I have received assistance and exemption and that I will be receiving assistance in XXXX. They are telling me the garnishment will continue until XXXX/XXXX/16 even thought the exemption states within 6 months and currently receiving which I am just because the first payment for the new year does not start until the end of the month. The collection person also has notes that she talked to me and called me and she never contacted me. In 2 weeks she never returned my calls and I called at least 5 times a day and never talked to her or anyone else but left messaged. Today XXXX they finally let me talk to a supervisor and she told me again the exemption is not valid even thought it starts in the month and is current. 
She said garnishment will not stop until XXXX. The exemption letter that is sent states currently receiving or within 6 months months. The exemption is currently receiving in the month of XXXX As well as other collection places take the kids getting free lunch as an exemption as well and not sure why they will not as this is assistance for the family based on my income.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

This has been an ongoing issue for quite some time with Equifax. I have asked on multiple occasions that Equifax remove a public record that is appearing on my credit file. I have contacted the bankruptcy court who informed me that they did not furnish the information appearing on my credit report. Equifax informed me that XXXX provided this information to them. I have asked for proof of how they verified that the information reporting belonged to me.
Consumer complaint received 2015-09-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

I received a text message from Number XXXX : Your DriveTime pmt discussed is due tomorrow. Pls call XXXX if unable to pay. To opt out, reply STOP. Info provided is part of a collection attempt. 
So I called the number, thinking is a collection payment. They asked my name, XXXX of social and phone number, which I gave. Still my account could not be located, they started asking more questions at this time I became suspicious I asked what type of loan we were talking about and they said car loan or lease, so I said I will call my bank. My bank says my payments are up to date. So these people now have my name my phone number and the last XXXX of my social. Please keep me posted on this case.
Consumer complaint received 2017-03-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hello CFPB, Thank you very much for your service and assistance. 

An account showed up as " charged off '' on my XXXX Credit Report. The only information I can attain is -- CBNA ; revolving account ; first descrepancy XX/XX/XXXX ; then " charged off '' XX/XX/XXXX ; XXXX, S.D. XXXX --. 

I have no idea what this is concerning. Thru online research I found a telephone number for a " XXXX '' -- ( XXXX ) XXXX --, but this number is not a valid telephone number.... Could CBNA also stand for CitiBank of XXXX? 

The last couple years, I spent maybe 60 % of my time away from home as a XXXX working all over the state, but not near home. I also had a few medical issues that were taken care of at various medical facilities near home or away. I have no one at the house to get mail, and what I could n't take care of online gets mailed.... A few months ago, I paid all of my bills, totaling thousands, and went thru all mail, as I never throw mail out. Still, I can find no paperwork that has " CBNA '' printed on it nor any Citibank paperwork. 

I have not opened any Citibank account in years. I tried to open an account with XXXX ( a local box store ) a few months ago, but that was more like XX/XX/XXXX, not XX/XX/XXXX. 

I 've sincerely tried to pay all my bills and have kept and noted all paperwork as paid. I can not contact any CBNA to find out what this is regarding. I want to dispute this being on my credit report, as this year the only outstanding account on my credit report will be this " CBNA '' and " XXXX '', and it could stay on for another 7 or 6 years, harming my credit score. 


Respectfully, XXXX ss # XXXX cell XXXX
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (GA)

This is regarding my Macy 's revolving credit account. It 's very simple. When I pay my bill in full on or before the due date leaving a XXXX balance, Macy 's applies a finance charge on a XXXX balance. This has occurred 6-8 times in 14-15 months of a new account. Each time I 'm incorrectly assessed the charge I 'm forced to contact customer service and they always remove the charges. I do n't feel it 's my responsibility to monitor each month and more importantly, how many customers are unaware of this fraudulent business practice. Each time I contact Macy 's corporate office they assure me they wo n't continue this & are notating my account. Obviously, false promises to presumably make me go away. PLEASE HELP!
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Loan Science, LLC (NY)

I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!
Consumer complaint received 2016-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (OH)

At the beginning of XXXX 2016 I received a letter from ACS regarding an error on my student loan payments advising of monies being applied to the principal based on this error. The document outlined that we may incur an additional tax liability due to the error. The good news is that ACS advised they would assist in determining the tax liability and pay for any additional money owed due to the tax liability. 
I have contacted ACS on the following dates and have been provided the same information that a Tax preparer will contact me in XXXX 3 days. During these calls they could not provide any additional information as to why the error has occurred but that the XXXX XXXX would be able to assist. 
XXXX XXXX ( did n't write down the name of the person ) XXXX XXXX ( did n't write down the name of the person ) XXXX XXXX ( spoke with XXXX ) XXXX XXXX ( spoke with XXXX ) I have yet to hear from a tax preparer despite my multiple calls and escalations requests. Our goal is to resolve the situation so that the additional tax liability can be paid ; however, ACS is not taking the outlined steps to help resolve this matter. 
Thank you for your assistance in resolving our issue with ACS.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX XXXXput the charge off to my credit report which is inaccurate and it was their mistake, I never missed any payment and also I never get an additional bill notice from them, I was set up auto pay.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I sold my property on XX/XX/2016 and the payoff was mailed to Ditech on XX/XX/2016 via USPS express mail. The payment was not received by Ditech and could not be tracked by the post office. I had a stop pay placed on the check and a new check was finally issued and sent to Ditech which they confirmed receipt of on XX/XX/2016. On XX/XX/2016 the first check sent was somehow recorded as received by Ditech. The payoff of this loan is a contingency for another loan that I am in the process of attaining, but my account is still as of XX/XX/2016 showing as unpaid. This has also affected by credit rating, and I have received collection calls from Ditech for non -payment of the loan for XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

My issue is with my current mortgage company Ditech. I recently filed a complaint on how I have tried to reach them several times and now I am seriously delinquent with no options for us. They replied to my previous complaint stating they approved me for the HAMP program and that I declined it back in XXXX 2016. I was never approved for that program because if I was I would have taken it. I just would like resolution and to put my delinquent payments at the end of my loan so I can start making payments and start fresh since no one ever returns calls from Ditech and every week I have a new account representative.
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

My daughter had chosen to attend the XXXX. In one day, we attended an informational meeting and were steered directly to the financial aid department. Without much information, we stupidly signed papers so that she could attend the school of her dreams. It has turned out to be a nightmare. We took out a Parent Plus loan at that time and after graduation, she has made payments. Then, life got in the way ... she got married and has XXXX children. Like everyone else, she finds that child care is too expensive so she has cut her hours down to accommodate her husband 's work schedule. This payment continues to balloon. At one point, she was paying approx. {$300.00}. In XXXX 2017, the payment will be almost {$600.00}. She can not afford this. I am only able to help with a small bit of help. Is there any way to refinance this beast? 

Thank you. 
XXXX XXXX