davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/19 XXXX XXXX at Ally Financial advised me to pay off {$10000.00} worth of debt. I advised him that if I did this then I would not have {$21000.00} in my bank account, XXXX then said we could lower the down payment to {$6500.00} and this would fix the issue. I advised XXXX this was all the money I had to work with, and he assured me this would fix this issue. So under the advice of XXXX, I paid off {$10000.00} worth of debts. There was no issue until XX/XX/19 when XXXX called and told me that underwriting needed more money in my banking accounts. When I advised him this was the exact thing we talked about, and theres no way Im going to cash in my stocks and lose money when this was never the agreement we made. I told XXXX we are going to leave this bank, and I wanted to speak with his manager, XXXX assured me his supervisor would contact me the next day, which did not happen.
Consumer complaint received 2017-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

XX/XX/2017 I attempted to payoff my loan. Late charged on my account due to hardship. Contacted Ally they advised of completion of waiver for XXXX by Monday X/XX/2017. It is now XX/XX/XXXX XXXX my 3rd call and nothing is done on the account. I was advised my a " supervisor " XXXX that my waiver was still in process. But early that day a representative told me there were only notes on the account no waiver was ever submitted. I am so tired of companies lying and doing anything they want to get you off the phone. All I want to do is send my final payment and I feel like they are stalling my payoff
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (VA)

On or about XX/XX/XXXX I received communication via USPS concerning a debt for account XXXX. Under the Fair Debt Collection Practices Act I have 30 days to ask for you to verify a debt. XX/XX/XXXX I sent a certified letter requesting that you verify the debt which was received by your office of XX/XX/XXXX. As of XXXX XX/XX/XXXX the debt was never verified. Because EOS CCA could not verify the debt they can not legally continue collection practices but this hasn't stopped them. On XX/XX/XXXX two years latter I received another letter from EOS CCA trying to collect on the exact same alleged debt. They are in violation of the FDCPA
Consumer complaint received 2020-10-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

I did three loan modifications after my home came out of bankruptcy my bankruptcy was dismissed I received letter in XXXX of XXXX stating my loan modification was complete I never received a denial or approval I filed a complaint with FHA in XXXX of XXXX due to the lack of correspondence my mortgage was raised in XXXX after I show the lender I had lost income I also requested another loan modification XXXX of XXXX for one never to be sent out I also requested another loan modification XX/XX/XXXX of XXXX to be told there's a 7-Day request from a different department before it could be mailed out so my modifications still will not be mailed out until XX/XX/XXXX and now US Bank has ordered me to appear in court XX/XX/XXXX as well as I need them to fix my credit score and how they're reporting this is been going on between me and them for a year-and-a-halfdue to this current situation I have no credit score I'm on XXXX which is fixed income and then I've lost another set of income but they're refusing to work with me I've been in my home for over 10 years and there making it impossible for me to refinance with a new lender this house was caught up in the mortgage fraud with the same lender 3 years ago and I don't trust this this time I really need an investigation into what's going on here.. I'm not trying to be XXXX   with my children due to a clerical error for miscommunication.
Consumer complaint received 2017-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on multiple occasions. I even sent a Multiple Inquiry Letter Removal. Equifax received my letter between X/XX/2017. I received an email saying my investigation was complete on X/XX/2017. I  received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response the same day after the receipt of Equifax receiving, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted. XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Hello, I sent my payment in to Navient which was received on XXXX XXXX, 2017. I sent a letter with the payment, as I do every month, and specified which four loans were to be paid with the payment and stated that under no circumstances was any amount to be applied to any other loans. Instead, Navient applied the payment to five loans which are in default. This is in clear violation of my instructions and is also a blatant attempt to restart the clock on the statute of limitations for the five defaulted loans. This is illegal and fraudulent.
Consumer complaint received 2017-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IL)

I closed on a HELO C   on  X/XX/17  with a  bank representative,  XXXX   XXXX  at US Bank. At the time of closing it was disclosed that there was a {$500.00} early closure fee, and this came as a huge surprise to us. This fee was never properly explained to us, even after having explained to the inbound sales representative,  XXXX   XXXX , many times that we would be selling our home in about a year. I have escalated the issue and have spoken at length about the situation with  XXXX   XXXX  and  XXXX   XXXX . They informed me tod ay,  X/XX/17 , that th ey are unwilling to waive the early closure fee of {$500.00}. I feel that this is a huge injustice to me as the consumer as it was not fully and clearly explained. They claim it was disclosed, but i have no proof of that, and they are unwilling to provide that proof. If it was explained properly, you would think that they would have made sure that I understood the terms since it was stated multiple times that we would be selling our home within the year, triggering the early closure fee. I was told tha t the District manager,   XXXX   XXXX  was unwilling to waive this fee and it was his decision. I truly feel that we were mistreated and duped into buying a product that incurred unnecessary costs. I feel that this should be waived and there should be action taken against US Bank in this matter.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (FL)

I created a account with coin base less then a month ago. Funded my account using ACH XXXX XXXX. I put 500 $ and purchase XXXX. A couple of days later I put {$50.00}. And then couple days after that {$50.00} again. I verified my account with my photo ID and a selfie that they required. They disabled my buying, selling, and transferring to my digital wallet, Ive called my bank and they verified that there were no issues on my banks end, yet when I do get a response from coin base they say that I can withdrawal my shares into XXXX or send it to another address. And that I cant buy or trade my XXXX. I didnt do any thing wrong I provided all the information that they asked for. They told me that I can send my XXXX to a wallet and I can not do that, but instead all I can do is sell my shares for cash thats not fair or right when I havent given them any reason. I have contacted them over and over and same response. At this point all I want to be able to do is transfer my XXXX  to my ledger. As they said I could from the beginning but its disabled. They arent communicating with me and its frustrating. They are just telling me it takes 5-7 business days and that they can not continue a relationship with me buying and selling. For no reason! I have read online this is something that happens all the time and I dont think its right. I am just someone trying to invest in some cryptocurrency.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (NC)

We were on a Covid Forbearance plan with Flagstar due to job loss. I received monthly statements and checked their website frequently. 
I found a new job paying less and we made the decision to sell and purchase a smaller, less expensive property. 
I spoke with a Payoff Agent at Flagstar and asked if I could add the amounts I saw on my statements in order to get a rough payoff estimate. She stated I could. So I added the escrow and principal and used that as a rough idea when house hunting. 
Once we were under contract with sale of our current property and purchase of a new one we requested a payoff report. The report came in {$40000.00} higher than anticipated due to accrued interest that had not been disclosed on our monthly statements or on the website. 

I called to speak with a Payoff Agent at Flagstar and he informed me that interest still accrues while in forbearance and I should have known it was that amount. 
I was aware it accrued, however it is not listed anywhere for me to see or anticipate the amount. 

This lack of transparency has caused issues with purchasing a new home.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accounts Research, Inc. (TN)

XXXX  the  Manager a t Accou nts Research, INC. se nt a letter to my job and called my work phone. I even told him I had a patient right in front of me and he continue to threaten me ... .. " Do you want me to serve you papers '' ; if you would respond to the letter I would not have contacted your job!       XX/XX/XXXX   Main campus in  XXXX   XXXX    XX/XX/XXXX    XXXX  called directly to m y job    XXXX   XXXX   XXXX   in  XXXX
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I disputed all of my Inquiries on my credit reports from XXXX and XXXX and they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MI)

Ref : BSI FINANCIAL SERVIC ES    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , PA.    ZIP CODE :   XXXX  * NEED MONTHLY STATEMENTS.     ** HAMP APPLICATION.
*** CURRENT AMOUNT D  UE ON MORTGAGE.   (  XXXX  was not able to furnish this information )
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (TX)

Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I graduated from XXXX XXXX XXXX in XX/XX/XXXX with a 2 year XXXX degree in XXXX XXXX XXXX. The degree did benefit me with work from XX/XX/XXXX until the closing of the school in XX/XX/XXXX. Following the announcement of the closing, my job prospects have evaporated. No one has officially stated that my degree is now invalid, but the fact that job offers disappeared seems to be more than a coincidence. In XX/XX/XXXX I contacted the PA Attorney General 's office, requesting that this office please assist me with having my remaining loan with Navient dismissed due to the closing of my school. Ms. XXXX XXXX responded, stating that the Bureau of Consumer Protection had received my request. She continued by informing me of the lawsuit filed against Navient by their office on XX/XX/XXXX for such matters as I was dealing with. We corresponded a couple of times and spoke by phone once. I felt that they understood my issues with Navient and would represent me should I have to also file a lawsuit. Unfortunately contact with the Attorney General 's office ended in XX/XX/XXXX, for reasons unknown. 
Since XX/XX/XXXX my federal student loan has been deferred under the Income Driven Repayment ( IDR ) plan, accruing interest on a {$10000.00} outstanding loan amount. My monthly payment has been {$0.00} since XX/XX/XXXX. Currently the accrued interest amount on my loan of {$11000.00} is $ XXXX 4.750 %. When I left school in XX/XX/XXXX my  fixed interest rate on the remaining balance of {$17000.00} was 2.50 %. Each year that the IDR is renewed, the interest rate is adjusted to the current interest rate. This XX/XX/XXXX I received a notice from Navient that I needed to reapply for IDR or payoff my student loan. I contacted Navient, making them aware of my financial situation and to request that my student loan be dismissed due to the closing of the school and nullified value of my diploma. I was denied a dismissal, but instructed on how to reapply for the IDR. As of XX/XX/XXXX I received a notice from Navient, stating that my IDR had been approved and information would be sent following XX/XX/XXXX. 
I request that Consumer Financial Protection Bureau please advise in what action I may have available for my situation with Navient, in regard to my dismissing my student loan. 

Thank you, XXXX XXXX
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt  because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is  severely damaging my otherwise excellent credit history. Thank you.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I sent a dispute letter to Equifax and XXXX concerning unauthorized credit inquiries on my account. Equifax sent me a letter regarding the inquiries are accurate with no validation sent to my address. XXXX claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Equifax is not removing an account from my credit report that is not supposed to be there. 
XXXX XXXX XXXX XXXX please see attached letter from XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp. (LA)

Theres incorrect information on my credit report. I spoke with XXXX XXXX in regards to an collections account for XXXX XXXX XXXX, in which they advised me that True Accord was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at True Accord, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to XXXX XXXX, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys XXXX & True Accord are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AL)

Within a 24 hour span, I will at least 12 calls from Navient or XXXX XXXX XXXX They have taken a step further and mimic numbers that are similar to those in my contacts list. Today, I have had enough and they have actually called someone. DO NOT CALL ANYONE REGARDING SOMETHING THAT IS PRIVATE. THIS SHOWS HOW UNETHICAL YOU ARE. THIS IS TOTALLY UNACCEPTABLE!
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I am an account holder with Chase, and had my debit card compromised and someone made fraudulent withdrawals on XX/XX/XXXX ( although now they are showing up as XX/XX/XXXX when I log online ). I reported the charges as soon as I saw them on XX/XX/XXXX and the following day XX/XX/XXXX was emailed from the Chase Customer Claims dept and asked to submit an electronic affidavit on the incident. I promptly returned the affidavit and finally got a response from Chase today the XX/XX/XXXX. I was surprised to see that the boxes I had checked off on the affidavit were NOT the ones in the document they had on file, and they denied to reimburse me because I had checked a box that read " I never received the card in the mail ''. I called them and they agreed ( after escalating to a senior supervisor ) to allow me to fill out the customer questionnaire a second time. I carefully filled out the customer questionnaire/electronic affidavit the second time from a desktop computer, and after proofreading it carefully and re-submitting it, was very disturbed to see that AGAIN my answers were not the ones that appeared on the upload pdf in their secure messaging system. I called Chase Customer Claims a third time and asked to be permitted to send in the affidavit a third time, and this time opted for a hard copy which I filled out in pen and paper and faxed to them directly ( and brought a hard copy to the nearest branch ). Furthermore, my ATM card debit charges all came from XXXX, which is a Chase branch. The bank knows very well that I have had an ATM card with them for the past 8 months as I use it nearly daily, so the notion that I checked a box " I never received the card in the mail '' is ridiculous. Furthermore, I am concerned that there is a " glitch '' in the Chase Customer Claims " Customer Questionnaire-Electronic Affidavit '', that is changing the answers one types in, and thus giving the bank a reason to deny compensating customers. I am absolutely 100 % sure that I filled out that questionnaire with different checked boxes than what ended up uploading to my file, and the fact that it happened twice has me extremely concerned.
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

My credit report is showing an account in collections that was opened on XXXX XXXX, 2013. The company name is Jefferson Capital Systems. I have never received any documentation or telephone calls from this company. I submitted a dispute to XXXX and I have yet to receive any documentation regarding the origination of this debt that is in collection.