davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (CA)

This company is attempting to collect a debt that is beyond the statute of limitations for a lawsuit, 4 years in California, and reporting the account beyond the 7 year limit for credit reporting. I have written to this collection agent asking for verification of this debt to establish these dates and also to establish that the agent actually either owns the debt or is acting on behalf of the original creditor. When I telephone the collection agent about this, an agent asks for payment and tacitly implies that that the debt is not beyond the statute of limitations and that it is empowered to take " further action '' on this zombie debt, when such is not the case. 

After disputing the information in the credit bureau, this collection agent 'verified ' the information that it was reporting as being correct. Yet when I subsequently telephoned the collection agent I was told that it had received my request stated above and that it was 'investigating ' but that it had no information on the account and had to retrieve information from the original creditor which 'takes up to 30 days '. I confirmed that my dispute was received by the collection agent PRIOR to the time the collection agent responded to the credit bureaus that the debt was reporting correctly ... a violation of the FCRA. Moreover, the collection agent failed to mark the debt as 'disputed ' in the credit bureau ... another violation of the FCRA .
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

Navient forces you to become delinquent before they will offer any lower payment arrangements. This has ruined my credit. Instead of an income based payment, they demand a payment that is always much higher than I have left over from paying bills ( bills=food, rent, electric, water, gas, medical ). Also, they claim that they are only charging me 1 % interest while on the repayment program but my balance never goes down. Also, Navient uses scare tactics to threaten you into accepting their final offer for a lower payment that I really ca n't afford to pay. In order to make payments to them I have to put food and gas and utility bills on my credit card and I am forced to always pay my bills late because I feel forces to agree to pay Navients high pay back plan. Navient also reported me XXXX late to the credit bureau before I was 90 days late. In fact my last payment to them was on auto-pay that they took out on XXXX/XXXX/16 and then on XXXX/XXXX/16 ( five days later ) they reported me as late. I found a house to buy not long ago, and the mortgage would have been less than I was paying for rent ( a lot less ) and I could not buy it because of my Navient school loans. The house cost XXXX and the lender told me if it was not for my student loans that I could have bought the house. I am providing for my wife, XXXX daughters and my Mom. My Mom is dealing with a lot of health issues. My income provides for a family of XXXX. Please help.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I graduated XX/XX/XXXX with about XXXX in student loan debt. They were first serviced by XXXX XXXX and I was making intermittent payments at the time because my income just did n't allow me to make the over {$1000.00} a month payment. I went through several forebearances and deferements and then Navient became the servicer. Since then I have tried to get them consolidated or on a lower monthly payment but 2 1/2 years later, I still have payments that I ca n't make and now my debt has increased to over {$77000.00}. What little bit of payments I have been able to make have made no impact and I am still trying to get my loans on a reduced payment plan especially since I had been layed off on XX/XX/XXXX and just went back to work on XX/XX/XXXX. Each time I call Navient they say I was told the wrong steps or the paperwork is n't in the system for the consolidation or the lower payment plan. I never get the same person and I never get the same information. They keep me going in circles so I never know what I should be doing to get things going in the right direction.
Consumer complaint received 2016-08-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (FL)

I TOOK A LOAN IN XX/XX/XXXX TO ATTEND COLLEGE AT XXXX XXXX UNIVERSITY. I GRADUATED FROM ANOTHER COLLEGE IN XX/XX/XXXX. 
AT THAT TIME NATIONAL COLLEGIATE LOAN TRUST WAS UNDER A DIFFERENT NAME. I COULD NOT PAY BACK THE LOAN BECAUSE WHAT THEY WERE ASKING FOR PER MONTH WAS SOMETHING I CAN NOT AFFORD DUE TO MY INCOME. THEY WERE NOT WILLING TO WORK WITH ME. IN XX/XX/XXXX, I RECEIVED A LETTER FROM A DEBT COLLECTOR FROM A LAW FIRM THAT I WAS ORDERED TO PAY OVER {$28000.00}. MY MOTHER, XXXX XXXX, WAS ALSO COSIGNER. I SETTLED WITH THEM TO PAY XXXX A MONTH UNTIL PAID OFF. I MADE 12 PAYMENTS OF XXXX ON TIME UNTIL XXXX XXXX. I LOST MY JOB, AND MY MOM COULD NOT PAY THE LAW FIRM BECAUSE SHE NEEDED TO HELP ME. IN XXXX XXXX, I RECEIVED A LETTER OF DEFAULT OF LOAN. I RECEIVED A NEXT LETTER THAT THEY NEEDED PROOF OF WAGES AND ASSETS FROM ME AND MY MOM, AND DUE WITHIN 45 DAYS. IT HAS ONLY BEEN A FEW MONTHS SINCE WE HAVE NOT BEEN PAID THEM. I HAVE SINCE FOUND A JOB IN XXXX, AND WE WERE GOING TO START PAYING THEM AGAIN. BUT NOW THEY HAVE GONE TOO FAR TO TRY TO COME AFTER OUR WAGES AND ASSETS. I AM A SINGLE MOTHER WITH XXXX CHILD, AND MY MOM IS ABOUT TO RETIRE -- I WILL NOT ALLOW THEM TO TAKE AWAY WHAT WE HAVE WORKED HARD TO EARN OVER A FEW PAYMENTS THAT HAVE BEEN MISSED. I HAVE ALSO PETITIONED TO FILE FOR CHAPTER XXXX BANKRUPTCY, BUT THIS DOES N'T TAKE CARE OF MY PRIVATE LOAN.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

Closing date on my credit card is XX/XX/XXXX. I made an online payment on XX/XX/XXXX that was successful. However, I late found out the payment was applied as a float and my credit balance was n't adjusted. This led to a situation where I exceeded my credit limit because it was never adjusted after my payment. 

My credit limit is still not adjusted for my payment on XX/XX/XXXX, over a full week later. I was never notified of the float, or the fact that my credit was being withheld. 

I feel this company took my payment, told me it was successful, but never applied it to my account and updated my credit. Doing this without my knowledge violates my rights as a consumer.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CO)

I have had a Citibank credit card for 20 years and my credit history is perfect with a rating of over XXXX. Much to my surprise, my account was cancelled due to inactivity but I had no warning. I can reinstate, but have to go through the same process as a new card. I 'm VERY concerned about how an account closure will affect my credit as my husband and I are looking at real estate and I had a credit limit on this card at {$22000.00}. I understand they were n't making enough money from me, but how can they do this without advising the customer? What about my exceptional credit rating?
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

We have been trying to get our loan modified since the beginning of XXXX. We have had to send in multiple applications because Citibank closed our original one before it was completed. On XXXX XXXX, 2017 we were told our application was under review. They have since been requesting information we have already provided them. They have not returned emails or been available for scheduled phone appointments. I finally talked to a supervisor today who was incredibly unhelpful and would not advise me on what they needed as far as a profit and loss statement on letter head. She said I would need to talk to an accountant. I told her we would be filing a complaint and she stated it would n't matter and they would tell us we need to provide more information. We are feeling very much at a loss on how to move forward.
Consumer complaint received 2016-12-19
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. (VA)

This is a follow-up to a previous complain that I have filed. [ Case number : XXXX ] I have been working with my financial institution ( Citibank ) on this issue continuously since my previous complaint. 
Previously, Citibank advised, " On XXXX XXXX, 2016, we received notification from XXXX that on XXXX XXXX, 2016 your wire transfer was processed in accordance with your instructions and that the beneficiary 's account was credited. '' This is NOT Accurate. The funds were sent to a Different Account and in a Different Currency from my Instructions. I have attached documentation that demonstrates that my instructions were not followed. 
I directed the funds to be deposited into account # XXXX. However the funds were deposited into account # XXXX. This is inconsistent with my instructions and the Wrong Account. The last XXXX digits of the account specify the currency ( XXXX is a XXXX XXXX account and XXXX is a local currency account ). 
I have attached a copy of my Bank Wire Instruction with the designated account highlighted along with a copy of a statement showing that the funds were deposited into the incorrect account. 
I have provided the documentation to Citibank but they have failed to rectify the issue. 
I am seeking Citibank to comply with my instructions or refund my money.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IL)

On XXXX XXXX, XXXX, Citibank, N.A., engaged in unfair and deceptive acts in administering and closing a credit card account that I had used responsibly for over 25 years ( since XXXX XXXX, and which Citibank, N.A., had previously indicated in writing would be open without an annual fee for life, my life or Citibank 's. That representation turned out to be false. 

Moreover, only four months earlier, Citibank, N.A., issued me a new Visa platinum card purportedly the period of XXXX XXXX through XXXX XXXX. That representation turned out to be false. 

The " notice of account closure '' dated XXXX XXXX, XXXX, indicated in bold letters " We 're sorry we were n't the right fit ''. 
This followed other written representations from Citibank, N.A., regarding my account : " Thank you for being a loyal card member since XXXX! We appreciate your business and are continually looking for ways to make your relationship with us as rewarding as possible. '' and " Thank you for being a valuable AT & T Universal platinum Card member. '' and " No annual fee for life. '' I filed a written complaint with Citibank, N.A., CEO XXXX XXXX on XXXX XXXX, XXXX, including essentially what is in this complaint to CFPB. I received no written reply from any Citibank entity, and only a telephone call from someone who told me that my letter to XXXX XXXX was forwarded to him, and I could apply for a new account. It is unprofessional and inappropriate for Citibank, N.A., not to have responded in writing, and not in any way to have addressed my claim of unfair and deceptive acts in administering and closing my account. 

The purported reason for closing the account was inactivity. However, I pointed out to XXXX XXXX something that should be abundantly clear to a card executive : that the nature of revolving credit involves periods of inactivity and zero balance. Citibank , N.A . 's written communications with me have been dishonest, and Citibank, N.A., has been dishonest and unfair in closing my account of 25 years, a period of time during which I rejected many other card companies ' offers of credit because I had this particular Citibank, N.A., account. 

Whereas Citibank, N.A., stated that I was a valued customer for life, it turns out that I was really unwanted, expendable, and not even worth a written response.
Consumer complaint received 2015-12-22
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (IN)

i keep getting calls to my number [ i got this number from my dad on XXXX/XXXX/15 and used to belong to my aunt ] and i have gotten at least XXXX calls from them in 2 weeks and have asked them 4 times to remove my number and once should be enough, and now they are refusing to remove my number
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

After being laid off from my employer in XXXX of 2016, it was difficult to ensure bills were paid on time with XXXX income which was my wife 's and part time. Therefore, after falling behind in my Navient private school loan, I made several attempts to seek out and obtain assistance from Navient in hopes of getting a lower monthly payment until payment from my new employer was consistent enough to begin repaying the original amount due each month ; however, each attempt made to Navient on my behalf has been unsuccessful and have been informed each time I 've requested the assistance, that I 'm already enrolled in a low payment program and despite the financial hardship, there 's nothing else that could be done. Navient representatives have also made it clear, that if a certain amount was not paid by a certain date, the delinquency would be reported to the credit bureau 's. I 've also received documentation, via mail, from Navient that states other repayment options are available that may be a better fit for my budget if I 'm having difficulty making my payments, yet, I 've been told numerous times, that there 's no other options available to me since I 'm already enrolled in a low monthly payment program.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have called numerous times to lower my almost {$300.00} a month student loan payment.. due to it being a " private loan '' they could not offer me a different repayment plan. Nor could I put this into forbearance. My husband does not have an income at the moment, and still nothing basically either pay it or they will continue racking up the late fees. This loan was for XXXX XXXX XXXX in XXXX tx
Consumer complaint received 2023-02-05
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. (GA)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items XXXX XXXX XXXX XXXX XXXX  XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IN)

I received a second notice from XXXX  stating an account was sold to them XX/XX/2022 and the new owner is XXXX XXXX XXXX I previously sent a letter requesting validation of the alleged debt which : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract on all accounts and they did no such thing I am now receiving harassing mail and email I requested them to cease and desist ALL communication from me! and they have violated my request. First and foremost, it is illegal for a collection agency to buy up a debt and assume that the debt is yours without a consumers written consent. YOU have failed to validate the alleged debt which you are in violation of my rights per the FCRA for falsely reporting unvalidated information on my credit file. I am requesting a COPY of the alleged original consumer contract SIGNED by me unless you can provide the requested documentation you are violating my rights as a consumer. A statement is not a debt validation you are in validation of my consumer rights. Pursuant to the Fair Debt Collection Practices Act, STOP communicating with me regarding the above-referenced accounts.
Consumer complaint received 2023-02-01
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (WY)

My mortgage was transferred from XXXX to M and T Bank effectiveXX/XX/XXXX XXXX. M and T bank charged us a XXXX fee with our XXXX payment to them. 
They claimed it was from XXXX bank, but we did not have a balance with XXXX. 
Our account was up to date. I called them and they refused to remove the charge. 
account XXXX
Consumer complaint received 2016-09-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (UT)

I can not contact a private lender listed on my credit report. The report states that I have not paid my loan, however, I can not contact anyone to see if the amount is accurate and how to make payments. The company is listed as " Younomics. ''
Consumer complaint received 2016-05-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Synovus Bank (GA)

I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. All accounts included in that bankruptcy and the public record were removed from my credit reports except for Columbus Bank and Trust ( CB & T ) on my XXXX report. On my XXXX XXXX, XXXX XXXX report this account reported correctly that it was " Discharged through Bankruptcy Chapter XXXX '', " This account is scheduled to continue on record until XXXX XXXX '', and " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ''. The data on subsequent reports on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX each erroneously updated this account. XXXX XXXX, XXXX report changed to " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX '' and " This account is continue on record until XXXX XXXX ''. The XXXX XXXX, XXXX report indicated " Account Charged Off. $ $ $ $ $ $ written off ''. I disputed the item with XXXX, who instead of removing the account now has updated it to " Discharged through Bankruptcy Chapter XXXX Never late. '' and " This account is scheduled to continue on record until XXXX XXXX. '' I proceeded to dispute this again via certified mail, but XXXX still did not remove the account. I can only assume that CB & T is saying their information is correct when it is not. CB & T needs to have XXXX remove this account from my report immediately.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Credit determination — 
Company: Synovus Bank (MI)

I paid my credit card bill on time and it is showing that I am 60 days past due causing my score to plummet XXXX points on Equifax. Please update as this is negatively impacting my credit. I even have paid a premium using XXXX XXXX to pay or check by phone.
Consumer complaint received 2015-08-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (CA)

I received a call at work by a debt collection agency, the person did not identify themselves. They launched right in to saying that I owed this debt and I needed to pay and if I did n't they could garnish my wages and would file a judgement against me. This is the XXXX time they called and I have previously told them I can not take personal calls at work. They claim to be collecting a debt by XXXX XXXX and he gave me an ID # and phone number to call back. He also stated that he had my social security number and bank account number and my work number was the only number they had to contact me at. Well if they have that much information my work number is not the only way they can contact me. I know my rights and I know they are violating the FDCPA. The person on the phone did n't even identify themselves by name or company, they just expected me to pay or were going to file a judgement and garnish my wages. I called the number he gave me after hours and the name of the company according to the automated system was Premier Recovery Group.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Recently I pulled my credit report and noticed that 2, 30 day lates were filed by Wells Fargo Home Mortgage. It just so happens this is when my home closed and final payoff was received. The house was supposed to close in XXXX but unfortunately was delayed and closed on XX/XX/2017. Well Fargo sent me a confirmation notices of the complete balance being paid on XX/XX/17. They also reported me for being 30 days late in XXXX. This shouldn't have happened and need to have it removed from my credit report. Getting through to someone at Wells Fargo that can actually help you is an act of god.  Please help ....
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.