davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX . None of these accounts I applied for myself.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

I would like to lower my monthly payment, or see what my repayment options are, and Navient is not allowing me any options. I explained that I wanted to use the avalanche repayment method and take control of my debt, and that I could not afford my upcoming payment, which is {$400.00} higher than I 've been paying for the last 5 years. They have offered no help, and I feel that I do n't know what my options are and that information is being kept from me.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXandXX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!
Consumer complaint received 2017-06-05
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. (AL)

My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXand XX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Prospect Mortgage, LLC (MT)

CFPB Complaint - Prospect Mortgage XX/XX/XXXX Suspicion of double-selling and fraud I believe I closed a loan with Prospect Mortgage on XX/XX/XXXX because my note and Deed of Trust state Prospect Mortgage as the lender. I received a Notification of Transfer of Servicing from Prospect Mortgage in XX/XX/XXXX saying servicing was released from Prospect Mortgage on XX/XX/XXXX and that XXXX XXXX XXXX XXXX was the new servicer as of XX/XX/XXXX. <P/>I also received a letter from XXXX XXXX stating that Prospect Mortgage sold my mortgage loan to XXXX XXXX XXXX on XX/XX/XXXX. <P/>I contacted XXXX XXXX via telephone and asked who was the owner of my mortgage, and they stated XXXX XXXX was the owner of my mortgage. <P/>I contacted XXXX XXXX via telephone and e-mail and requested the dates when they owned my loan, and to provide who they purchased my loan from.XX/XX/XXXX via e-mail, XXXX XXXX confirmed that the mortgage loan was transferred to them effective as of XX/XX/XXXX. I requested from XXXX XXXX multiple times via email, phone and written mail who transferred the mortgage loan to them in XXXX. They have concealed the name of the transferring or selling party. <P/>I have contacted Prospect Mortgage multiple times requesting when did they sell the Principle and Interest of the mortgage loan. They have constantly referred to the date of XX/XX/XXXX as the date servicing and Principle and Interest were sold, and that they were sold to XXXX XXXX. However XXXX XXXX XXXX states the loan was sold on XX/XX/XXXX to XXXX XXXX XXXX, XXXX. <P/>According to XXXX XXXX, the loan was sold to them ( they became the owner of the loan ) on XX/XX/XXXX, but according to XXXX XXXX they became the owner of the mortgage loan on XX/XX/XXXX. <P/>My credit reports do not indicate any loan history at all with Prospect Mortgage. My credit report indicates a mortgage loan was opened with XXXX XXXX on XX/XX/XXXX Additionally, my credit report shows insufficient information which is hurting my credit score regarding the mortgage loan being reported to my credit file. <P/>Based on the information that has been provided by XXXX XXXX, XXXX XXXX and Prospect Mortgage, it has lead me to the suspicion that my mortgage may have been double-sold, or Prospect Mortgage was never really my true lender. For example, XXXX XXXX claiming they acquired my mortgage loan on XX/XX/XXXX, and XXXX XXXX XXXX claiming that Prospect Mortgage sold the loan to XXXX XXXX XXXX on XX/XX/XXXX. <P/>ADDITIONALLY, my account has never been credited for the Interest I paid from XX/XX/XXXX throughXX/XX/XXXX. Prospect Mortgage has stated that will just be on my HUD-1 Statement and will not appear on my billing statement, however the interest amount ( {$140.00} ) DOES appear on my first billing statement. <P/>I demand Prospect Mortgage explain how the same mortgage loan can be owned by two separate parties at the same time?
Consumer complaint received 2017-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IN)

NAVIENT/XXXX MUST BE DISCHARGED BY XXXX, THE LOAN IS AGED AND THE RATE IS TOO HIGH. I WENT BACK TO COLLEGE FOR HEALTH CARE SERVICES AND NOW MUST BE CANCELLED.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I have applied for teacher student loan forgiveness from Navient twice in the last year. I meet all the criteria to have my student loans forgiven. I feel they are illegally denying me what I have earned in order to keep my payments coming.
Consumer complaint received 2017-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

After successfully using the  PAYPAL  website for many years, I recently had a very disappointing experience due to  2  claims filed by a vendor that i provided services for.  <P/>  XXXX   XXXX   XXXX  first filed a Non-receipt claim on  X/XX/17    (  XXXX  ) the claim was decided in my favor.  ( See  exhibi t 9 )  He then filed a fraudulent chargeback for the same payment on  X/X/17    (  XXXX  ) and Paypal, even though the first claim was decided in my favor and i submitted documentation proving my services were proprerly rendered, took the money back leaving my account in the red.  <P/> The language on  Paypal  's website misleads people into thinking they have more protection than they do. The language about protecting against fraud and fraudulent buyers is overly broad, when in fact the actual protection against fraud is very narrow. Not only are there misleading terms of non-existent protection, there is negligent omission of the frequent losses Paypal seller 's incur when fraudulent " quality of merchandise '' and fraudulent chargeback 's are enacted.  <P/>  Paypal  has a legal obligation to make it clear that : a. ) Chargebacks are common.   b. ) Seller is out of luck and stands to lose almost unlimited amounts of money and goods and that Paypal offers no protection whatsoever from this.  <P/><P/> I ONLY agreed to receive payment for services through  Paypal  because i had a REASONABLE EXPECTATION ( based upon Paypal 's terms of service and other language on the website ) that i was going to indefinitely keep the money Paypal sent me. If one does not have an expectation to indefinitely keep Paypal monetary transmissions, there would be no reason to receive payments based on this. If Paypal funds are not mine to keep permanently, but are in fact merely loans,  Paypal  should make this VERY CLEAR in conspicuous places.  Paypal  should inform that funds dispersed to sellers based on credit cards, are potentially temporary loans, frequently subject to retraction, based upon the whims of the credit card holder. Paypal should warn the Seller, that it is a frequent occurrence that Sellers send goods, receive payment, but then have to forfeit the same payment amount, back to Paypal, and as frequently happens, lose their money and goods.  <P/>  Paypal  says they protect against fraudulent buyers, and against fraud, but a fraudulent chargeback is fraud, and you offer no protection at all.   This is a clear case of  " Det  rimental Reliance ''  since i relied on Paypal 's misleading statements and contractual relationship to my detriment. I had a reasonable expectation to keep the money  Paypal  gave me when i rendered services to a customer, but Paypal unduly allowed for those funds to be taken back, with no regard to the possible fraudulent nature of chargeback claims.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (VA)

This is a response to the rebuttal that I received from BBT Senior Vice President, XXXX XXXX XXXX Complaint Resolution Manager. I had previously disputed the unfair and deceptive business practices of BBT. XXXX XXXX said they uploaded the document of Notice of Incompleteness Letter, was uploaded to your online portal on XXXX XXXX 2017, at XXXX. I logged in many times after that date and did not see this letter uploaded to my online portal. Also when they so called uploaded the document what was done to notify me of the letter being uploaded to the online portal? I have emails that documents were available for my appraisal that were sent to my email from XXXX XXXX that were sent to my email address but those are the only notification. My loan officer XXXX XXXX was not even made aware of this notice of incompleteness letter. She extended my rate lock to XX/XX/XXXX and I have uploaded that form in a previous email. I was told if I had any concerns from the letter XXXX XXXX sent to call XXXX XXXX at XXXX. Her office hours are Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). I called and left a message and no response. All of the information BBT has supplied to me does not make sense. If they had the concerns why not call and discuss, I spoke with XXXX XXXX on the phone on X/XX/17 after I had retained an attorney to clear the title issue. I will pursue legal action now. I want to be reimbursed all cost incurred from this failed loan attempt starting with Appraisal fees, credit report fees and difference in interest rate and finance charges. BBT has done nothing but provide false information to CFPB. These documents were not uploaded to the online portal or I would have seen them. I pretty much was logging in everyday. BBT IT systems may not be compliant with current regulation since they say they were uploaded but I could not see them. This process has been a nightmare. I keep filing these disputes since the CFPB looks at trends. Also, the day they canceled my loan all my online documents were no longer visible. This in itself is deceptive since it is information that I have provided and contracts with BBT. Is this a normal business practice or is BBT Mortgage trying to cover something up? I believe BBT was trying to get out of financing a 15 year fixed mortgage at 2.875 fixed for 15 years since the rates have gone up after the election and I could not get that rate anywhere else.
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (CA)

This complaint is about US Banks end of lease maturity services. Once our car lease was ending we were transferred from US Bank Financial to their End of Lease Program to coordinate returning our vehicle XXXX XXXX 2017. The End of Lease program coordinated an inspection by a 3rd company which we completed on XXXX XXXX. The services provided by this party were fine. <P/>The issue at hand with US Bank was when I wanted to return the vehicle. They said return it directly to the dealer where we leased ( they went bankrupt and closed ) the vehicle. As this was not an  option they said they would pick it up which we confirmed via phone on XXXX XXXX. They said the car would be picked up in 7 to 10 days. Unfortunately I had to call again on XXXX XXXX - they said they had an error in their system and it would be another 7 - 10 days. I called again on XXXX XXXX and was told they would pick it up on XXXX XXXX. I called again on XXXX XXXX and they confirmed they would get it on XXXX XXXX. <P/>As a result of US Banks transferring between departments they try to confuse the consumer and cause incremental charges. We received an additional bill for two lease payments for the time we were waiting for them to pick the car up which we are disputing and want assistance with. This is awful behavior from this institution.
Consumer complaint received 2016-10-19
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A. (NC)

I received a Citi Visa Debit card with a balance of {$450.00} XX/XX/XXXX. The card has a one year expiration date for XX/XX/XXXX. On there site, it says that after 12 months there will be a $ XXXX/month maintenance fee. However, on XX/XX/XXXX, Citi expired the card and charged my entire balance of {$170.00} as a fee.
Consumer complaint received 2017-06-07
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. (IL)

I have contacted  XXXX   XXXX  wit h two lett ers, which first was mailed  XXXX   XXXX ,  2017  and second one on  XXXX   XXXX ,    2017 requesting Identity Theft Block in accordance with Section 605B of the FCRA and they clearly are refusing to block all the information I sent them by mail twice, with USPS Certified Mail with Return Receipt. They sent me a letter stating the declined due to eith er : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section  605B  of the FCRA.    XXXX   XXXX  is clearly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.
Consumer complaint received 2017-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Representative calls every other day and harasses me for payments. I graduated 3 months ago and am still looking for employment. I decided to pay a forbearance payment to stop the calls only to have them call me 3 days later with the same script. I tell them I paid a forbearance. The representative tells me I am wrong while I am looking at my confirmation of forbearance. I tell her that I have the proof and I am looking at it. She says I am wrong and continues with the script. I tell her I do n't wish to speak with her so she puts me on hold and calls for a manager who proceeds to tell me that she did not lie to me. He acknowledges that I made a forbearance, tells me the representative said nothing wrong, and continues to ask me for a payment. Complete harassment and incompetence at the highest level.
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

Transworld Systems , Inc. h as repeatedly sent me letters demanding that I pay a debt to   XXXX   XXXX   XXXX   XXXX    <P/> I paid the medical bill months ago. I have asked  XXXX    XXXX   XXXX   to notify   Transworld ; clearly they have not.
<P/>
I have also attempted to cont    act Transworld - they are unreachable over the web or during non-working hours.
<P/>
This is ridiculous.
Consumer complaint received 2017-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (DC)

I sent  XXXX  certified letters on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ( letters enclosed ) to NELNET asking for an updated balance and the original instrument of indebtedness in its original form to ensure the amount reported to the credit agencies are correct. To date, I have not received the original document of indebtedness and request your assistance to remedy this situation. By law, NELNET is required to provide me with the original instrument of indebtedness in  its original form to verify the charges on my credit report are correct.
Consumer complaint received 2017-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I submitted a payment via mail  to Navient o  n  X/XX/17 . The paym ent amount was   XXXX   XXXX    which was  in money order from.   To date which is   XX/XX/17 ,  Navient has still not processed my payment. I think there is a deliberate action to delay payments posted to accts to further build late fees. its been more th an 2 weeks and they payment still has not been processed. This is not the 1st time that this has happened with  my acccount. It has happened on multiple occasions.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I had a store credit card with Sears ( CitiBank ). I paid my card off in full. The payment of XXXX cleared my bank on XXXX XXXX, 2017. I then received a bill for the XX/XX/XXXX billing cycle with a late fee of {$27.00}. I called the number on the bill and spoke to XXXX about why I had a late fee on my bill when I paid my bill off in full. She said it processed after the cut off date. I disagreed and told her it had cleared my bank and I was not certain why it had not processed sooner. She agreed to give me a credit on the late fee. I did receive the credit and received a XXXX balance bill for the XX/XX/XXXX billing cycle. Then I started receiving calls from Sears ( Citi Bank Collections ) for {$54.00}. I called and asked them what it was for and they told me I had n't paid my {$27.00} and charged me an additional {$27.00} late fee. I explained to them that I did n't have a late fee or owe the {$27.00} and in fact I had a {$0.00} balance bill in front of me. He basically told me I was lying and transferred me without an introduction to someone else who again told me I owed them {$54.00} in late fees. Finally after talking to the 3rd person she realized that I had two account numbers, and that when they sent me my new card and I activated it they did not transfer the {$0.00} balance over.she then sent me back to customer service so they could resolve the issue. On XX/XX/XXXX I spoke to XXXX and he said they had credited my account and I only owed my current balance on XXXX XXXX 2017 of XXXX. You can imagine my surprise when my husband called me on Sunday at work and told me Sears ( Citi Bank ) had called again. They also called me this morning about my {$54.00} late payment. I once again told them that I did n't owe the money and they should check both account numbers. The person I talked to today said oh I see your other account has a negative balance for {$27.00}. But his current account shows past due. He could not fix it and said he would put me on hold and try to get someone to fix it. So after another hour of dealing with these people, I was told someone would fix it and they hung up the phone. I also told them they should make sure that they did not report this to the credit bureau. They were unable to assure me that they did not but did n't think they did.