davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX Credit Management LP XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Re : Dispute of Collections Action To Whom It May Concern : I received an alert of my credit report change and found the following errors. See the attached copy of my account alert. 


Reason for dispute : I have had no interaction with your company and do n't owe you anything. 

I am hereby requesting that you confirm the fact that I owe any debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. 

Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notify that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. 

If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the original application, bills, records of communications and payments, name/extension/phone number of person whom assisted you to verify said debt, and any other data that indicates my responsibility. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC (SC)

someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card for my daughter with Chase - Visa. It had a {$2000.00} limit. I set the limit because my daughter is XXXX. For years it worked just fine. When she hit the limit we got a call or purchase was denied. This month Chase allowed a {$5000.00} over run. Yes, I got a bill for {$7000.00} on a card that has a {$2000.00} limit. When I called to complain they said " it happens all the time '', " this is standard practice '' and " it 's simply how we do business ''. Someone should put a stop to this.
Consumer complaint received 2017-04-30
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. (CA)

A social security number variation is showing on my Experian Report. It is not my social security number nor any that I have ever used. Because it is not mine I am not legally allowed to view the report.  It may be ne gative and I do not want it showing on my credit report indicating to creditors that it is an alternative that I have used. I do not have knowledge of this social security number and dispute its use in association to me.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NC)

When making an online payment there is a multiple choice type selection for what you want to pay. XXXX is the payment amount, another is a custom amount, and another is the full balance etc. I accidentally checked the full balance. I did not realize this until I received a confirmation e-mail only minutes later. Calling the bank to try to resolve the issue while the payment was still pending, they were unwilling to help stating that they were unable. As an XXXX professional I am well aware from a systems standpoint what is possible and what is not. Any transaction based application or other form of software should have the ability to cancel or otherwise reset a transaction before final completion of said transaction. The only resolution I could come to was contacting my bank and putting a stop payment out there. Normally this would cost me money, but I was able to persuade my bank to waive the fee. What if this had not been me that caused this to happen? What if it had been a bug in the software, or someone had hacked my account? I realize that realistically the chances of this happening are exceedingly slim, however, not non-existent. I could understand if the payment had been fully processed and transferred to another system ( still I know there are ways to resolve if XXXX really wants to on a database level ), but this payment had not.
Consumer complaint received 2016-08-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MI)

In 2008 We signed with XXXX XXXX in Michigan to have the installation of the windows in our house. Afterward, we had a lot of problems and kept calling their contractor back. In the meantime we received bills from GE Retail Bank, who said they were partners with XXXX ( we never signed with them, the contract we have is solely with XXXX ). Finally, XXXX refused to come out and fix any more problems we stopped payment. GE sold the debt and now we were sued for the debt that we never signed on. We were never aware that we were signing with GE in the first place. They claim we signed with them when we signed with XXXX. Now we have to deal with XXXX, a debt buyer in court over this.
Consumer complaint received 2017-04-30
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)

I have called in several times to Equifax and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in  XXXX  of  2017
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: EQUIFAX, INC. (MO)

On XX/XX/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on Equifax and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
Consumer complaint received 2017-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRSTBANK (AZ)

The following is what is showing on my credit report. I have NEVER had a line of credit with  First Bank.  I have tried, repetitively, to have the account removed or validated and all I get in response is a letter saying that I am being 'frivolous ' and they are not going to remove the debt. They have never sent m e ANY proof th at the debt is mine.    XXXX  Condition Derogatory Responsibility Individual Current Balance  XXXX  Original Balance  XXXX  Limit   XXXX   Monthly Payment  XXXX  Last Payment  XXXX / XXXX / XXXX  Status Collection / Charge-Off Loan Term  XXXX  Loan Type Line of credit Opened  XXXX / XXXX / XXXX  Reported  XXXX / XXXX / XXXX  Remarks Charged off as bad debt|Profit and loss write-off Creditor Information FIRST BANK OF COLORADO  XXXX   XXXX   XXXX   XXXX , CO  XXXX  Phone  XXXX  :  XXXX
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru  XXXX ,  XXXX  ; -  XXXX  thru  XXXX   XXXX .     I have written to the lender many occasions and have not received a response.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I enrolled in a degree program in 1996 and financed it via Federal student loans. My loans were serviced by XXXX XXXX, and after that company failed, with Navient. I have never been counseled nor offered guidance with regard to income driven repayment plans by these firms. No outreach has been conducted by them to me, and I have been forced, as a result, to pay a private company for this straightforward and essential assistance. ( After all, perhaps these loan servicing firms make money through interest rate markups on monthly loan payments, and were all those eligible for {$0.00} or relatively small payments through the forgiveness programs to actually enroll, that would be too expensive to them, irregardless of the contractual obligations they made to the DOE to counsel borrowers. If so, are we not naive to expect these firms will promote programs which defeat their profit interests? If this is not accurate, I cordially request an accurate explanation ... ). In any case, having had XXXX XXXX, and now Navient, servicing my debt makes my case, it seems, a microcosm of the vast, systemic dishonesty and negligence problems these firms are accused ( guilty ) of. To say the least, with Navient under criminal complaint, it seems absurd to have them as my servicing firm. Their credibility is sorely lacking. And if what XXXX XXXX has with finality has been found guilty of a cross the board is also true of my case in particular, this borrower seeks remedy. What remedy is there for me?
Consumer complaint received 2016-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

My loan payment jumped approx. {$40.00} per month after paying over five years of on time payments. I called Navient and asked why and they stated a routine audit was conducted that found that I was not paying enough money, so they raised my payment without notice. I also was informed that I have " late fees '' that are over five years old. If I have been making five years of time time, direct debit payment how do I have late fees. I attempted to get these questions answered and when the representative was unable to answer my questions I asked for a supervisor, I was told that I was not able to speak to a supervisor and they hung up on me.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KS)

I have loans with Navient, my monthly payment changed from about {$80.00} to {$230.00} without the proper notification. I have been steered several times over the course of this loan to take a forbearance and have done so because they have been difficult in providing the option of a finance-based loan repayment. Please help. Thank you.
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Hello, I contacted Navient customer support on XX/XX/XXXX regarding a loan discrepancy that I recently discovered. A representative advised that I reach out to an advocate and provide documentation. The advocate has provided no response in this matter. Your assistance would be greatly appreciated! 

I have a Signature Student loan with Navient for {$12000.00} that was not fully dispersed to XXXX University, although it shows that I have been repaying with interest for a significant length of time. I withdrew from classes weeks into the first semester. The documentation provided by XXXX University shows the effective withdrawal date of XX/XX/XXXX, associated fees, and refunds. 

This {$12000.00} loan should not exist as I did not attend XXXX University - this is absolutely an error on Navient 's behalf. 

XXXX UNIVERSITY NAVIENT PRIVATE LOAN TRUST Signature Student ( {$12000.00} )
Consumer complaint received 2016-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

Please refer to a previous case number that was closed and should not have been : XXXX. 
I am attaching more files for reference : Email sent to Navient on XX/XX/XXXX however the dispute had been closed and should not have been. 
I was told over the phone on XX/XX/XXXX, that as part of a forbearance Navient would show the account as current and Navient would remove any negative reporting. Based on the information provided by Navient and its representative, I agreed to the forbearance. 

34 CFR 682.211 ( c ) allows lenders and borrowers to agree orally to a forbearance as follows : " Except as provided in paragraph ( d ) ( 2 ) of this section, a lender may grant forbearance for a period of up to one year at a time if both the borrower or endorser and an authorized official of the lender agree to the terms of the forbearance. If the borrower or endorser requests the forbearance orally and the lender and the borrower or endorser agree to the terms of the forbearance orally, the lender must notify the borrower or endorser of the terms within 30 days of that agreement. '' In this case, the terms of the agreement were stated in the XXXX XXXX, XXXX telephone call. The call was recorded. I have requested a copy of the recording on multiple occasions, both in writing and over the phone. Navient has refused to provide the recording which states the terms of the forbearance agreed to. Additionally, on XXXX XXXX, XXXX I requested ( via email ) a copy of Navient 's policy regarding releasing phone recordings. See attached. Navient has refused to fulfill my request. Because Navient has failed and refused to produce the oral forbearance agreement, Navient has not addressed my complaint. 

In addition, Navient NEVER sent me the letters dated from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which purport to put me on notice concerning the loan status. When I log in to my Navient account, it shows all the correspondence that Navient has sent me. See attached. Those letter are not showing in my inbox, and I NEVER received any of those letters in the mail. Since the letters were never sent ( as is confirmed by their own website ), any required notice to me was defective. If Navient is generating these letters after the fact, they need to be investigated. Demand is hereby made for Navient to remove the negative information reported to the credit agencies pursuant to our oral agreement on XXXX XXXX, XXXX.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc. (GA)

I received a offer from a debt collection company in XXXX with a offer at a reduced price to settle the debt for XXXX. We accepted the offer and settled debt in full. I have receipt of this debt. The difference between the original amount due and the offer is around {$150.00} and now another debt collector is calling me in XXXX for the difference. I have called XXXX and they refuse to help me or speak to me but forward me to the new debt collection company. I refuse to speak with this new company as I feel its a violation sharing my information and reporting on my credit therefor I wont offer my information to them, which would be volunteering my information. their # ( XXXX ) XXXX but XXXX has shared my information with this debt collector after the debt was settled in XXXX. I 'm filing a separate complaint about the debt collection company this is for XXXX.
Consumer complaint received 2016-11-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

I was approved for a then XXXX student loan. They have since change their name to Navient, but the same problems still exist. I have XXXX private student loans through them and each and every month the amount of the loan continues to rise. They told me first that it was because I had a variable interest rate that was not supposed to go over a certain amount. Now they are telling me that there is no cap on the amount of interest for the variable rate. Navient charges outrageous and ridiculous fees. I have other private loans with institutions such as XXXX Bank and have not ever once had the problems with them that I have with Navient. I attended the University of XXXX at XXXX and XXXX when I took out the " XXXX '' Navient student loan.This company was sued before in a huge class action lawsuit for their fraud and fees, and now they have changed their name so that they can continue doing the same thing.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

In the XXXX of 2016 my payment unexpectedly doubled. The payment had been roughy {$60.00} for as long as I can remember. When I contacted Navient for an explanation they said they did a " routine '' analysis of my loan and realized it needed to reamoetized to keep it on schedule. This means that my loan has been amortizing wrong for an unknown amount of time. Which means I would have not been paying down principal at a pace which would have resulted in me paying an unknown amount of extra interest.
Consumer complaint received 2015-10-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (FL)

We are a restoration company and we did repairs for a homeowner after a fire. Their homeowners insurance carrier paid the claim and as usual the funds came in a check with the mortgage carrier named on the check. Selene Finance has been holding the funds for nearly 8 mos. and is refusing to pay out. We have complied with dozens of requests, repeatedly, submitting the same paperwork and the same authorizations. For 4 months now we have been stuck in a cycle of Selene saying we are not on as a third party to speak to. We submit the authorization again, and they ask for the entire package to be sent in, again. We comply, and they state that they need to speak to the Homeowner. We get the Homeowner to call, and they say they need to review, when we call back they start all over again stating we are not authorized as a third party. Each step and submission is a 4-6 day process, so each cycle is a month of constant work. 

The home owner was living with a burnt out kitchen so we did the repairs with the promise from Selene that we would be paid. Now they refuse. 

Selene is withholding an insurance settlement even though they acknowledge they had a 100 % inspection by their third party inspector and a certificate of completion from the homeowner.
Consumer complaint received 2016-08-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (VA)

I have a dispute with Selene finance with my credit report that is reflecting a late payments that is roiling month to month which is causing me to have a bad credit score. And I stated that I needed this resolved with the credit Bureau as soon as possible. I have the documentation that is showing that the month that in question, which was XXXX XXXX was not late. That was the last payment that went to XXXX XXXX of XXXX XXXX and at the time with the transition between XXXX XXXX of XXXX and Selene finance took over the mortgage. I need that fixed on my credit report. By what your there mortgage statement / payment history is showing all payments have been made by the grace period. XXXX XXXX was the one that was not showing that Selene finance did not have so here is the proof of payment please clear this error up on my credit report. This is not the first time I faxed all this to XXXX XXXX information. I faxed this information to Selene finance with all this information in XX/XX/XXXX and I was told that it would be corrected. It XX/XX/XXXX and it still not corrected. I have faxed this information twice in XXXX XXXX and it still not resolved please help me with this
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/15 I used XXXX to make multiple hotel reservations for the same time period with the intention of cancelling XXXX hotels once I had a chance to discuss with my husband which hotel he preferred. All hotels advertised Free Cancellation by XXXX/XXXX/15. On XXXX/XXXX/2015 my husband and I decided which hotel we wanted to book. When I went to cancel XXXX of the hotels, we received a message that there was a {$710.00} " cancellation fee '' for each hotel. Multiple attempts to address this error with XXXX were unsuccessful. XXXX did not take any responsibility for the false advertising. I disputed the charge with Chase. At the outset, the customer service representative made an error and credited too much back to our account. On my XXXX statement, Chase addressed their original over-payment error and reversed a portion of the credit. I have received multiple letters from Chase indicating that they resolved the dispute in my favor ; however, on my XXXX statement, XXXX re-billed my account for {$710.00}. I have made phone calls, uploaded evidence into the website and faxed information to Chase and they have yet to reverse the charge. With every phone call I make there is another excuse as to why they have not reversed the charge and I start the dispute process over - providing evidence in writing. 

Regarding XXXX, the hotels were clearly marked as having free cancellation by XXXX XXXX. We made the reservations in XXXX and held onto them for only a couple of days. There was absolutely no one to speak to at XXXX and I will never use that " service '' again. 

My request for CFPB is to help me resolve the disputed charge with Chase. {$710.00} is not an insignificant amount of money and their disputes department is clearly inadequate and possible set up to wear down consumers so that they will not use the service.