davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (KS)

I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and XXXX to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for ) XXXX these accounts by certified mail, and I 've received NO response from the agency.
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

XXXX CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF CITI ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

XXXX credit card service declined my auto payments. When I called in they stated it was due to my card had expired. My card good thru date shows XXXX. They advised on XXXX they would issue a new card with an updated good through date reflecting XX/XX/XXXX. I received the updated card on XXXX only to have an even earlier expiration date of XXXX. If a card has a valid good through date there should be no reason why a card charge should not go through. They asked me to activate the new card which will expire next month. This does me no good by my auto payments will get rejected once again. The person who is not returning calls is XXXX and her number is XXXX. I 've reached out to her 6 times and left 2 messages and have not heard back.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WI)

I was laid-off from my XXXX job and was not able to make all of my monthly mortgage payments. This is a result of XXXX different layoffs ( being unemployed ) which exhausted my savings and 401K, giving me no recourse but to miss payments.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TX)

Citi bank had promotion of XXXX $ if I met certain criterias which I did even their rep cinfirmed it to me ( I even recorded it in my phone ) After a while I receive email that I did n't meet criteria! Not cool, obviously fraud by Citi bank! Talked to manager and just sorry.
Consumer complaint received 2015-05-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Gragil Associates, Inc. (MA)

I was contacted by Gragil Associates about a medical debt, and I sent a request for validation in accordance with XXXX. Validation of debts [ 15 USC 1692g ]. and they received that letter on XXXX/XXXX/15. I received another collection letter without any reply to my dispute.
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC (NJ)

I have received multiple letters from XXXX Inc. attempting to collect a medical debt from me. The phone number they provide on their letters goes to an automatic voice message stating that all representatives are busy and to leave my personal information. I have left a handful of voice messages with my name and contact information ; however I have not XXXX received a phone call back. This process has been ongoing for well over a month now and I can only imagine how much worse my credit score is being affected by this process. I am looking to pay my debt ; however can not reach anybody via phone and the website they provide also does not allow me to log in. I promptly get logged out to due an " error '' each time I attempt to log in. This is getting extremely frustrating and has caused me to file a complaint.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (NY)

This account was closed before XXXX 2016. This account was re-opened XXXX 2016 and not giving me accurate information to contact the creditor. Every time I call, I get nothing ; no office hours, no chance of leaving a voicemail and emails are not working either.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

This company called Municipal Services Bureau has repeatedly, abusively and excessively called my home telephone number and stated that it is important and urgent to call them back to discuss a debt ( they did not specify ) I owed that I know nothing about. I called the number back and the lady on the other end ( did not state her name ) said somebody will call back and discuss and was very vague. I told her to please not call my phone number again because she was harrassing me. They have been calling at least 15 times a day and leaving unwanted messages on my voicemail.phone.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

Navient has continually made it difficult to understand there loan collection rules. Next to impossible to acquire accurate information. Upon calling it 's difficult to get an actual person on the phone. The online account for loaners is never up to date with current information displaying inaccurate balances, payment dates, and other loan status information. Aggressive collection practices.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

Hi, I previously wrote the CFPB about my 30 day late with XXXX. CFPB saw the problem contacted XXXX and had the problem resolved. My issue now is that Equifax refuses to update my credit report. XXXX corrected the issue, so did XXXX, but Equifax will not correct my XXXX account. They said that they never received the electronic form for correction. Attached to this email is all of my supporting documentation including the documentation from XXXX and CFPB. Again, Equifax has not and will correct my account. Please see attached documents.
Consumer complaint received 2016-12-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I alerted 'LoanCare A XXXX ' to make a payment on my property taxes since I did n't notice the funds being sent to the tax collector on my statement. The payment still has n't been made and I had to pay out of pocket. I gave them a heads up a month before my taxes were due.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I had a XXXX Credit Account opened XX/XX/XXXX and always paid as agreed and closed in XX/XX/XXXX. Now XXXX is reporting negative on my Experian Credit Report. I started a investigation and around 3 days later Experian send me a email of completion. It seem to me that they are playing games and do n't want to remove this information. Can you all direct me to a Federal Agency that will take control of Experian and their lack of work.
Consumer complaint received 2015-09-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (GA)

My husband and I are looking for a new house. We were pre-approved by XXXX lender. 
Unbeknownst to me my husband decided to contact Quicken loans to check on refinance rates for our current home. While at work he spoke to a representative who gave him all of my credit information to include a credit card in my name only and the outstanding balance.
Consumer complaint received 2015-04-15
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Rocket Mortgage, LLC (NV)

Quicken Loans obtained XXXX ( XXXX ) HARD Inquires from XXXX and XXXX Credit Reports Bureaus without my written consent ; consequently, these XXXX hard inquires lowered my credit score for future financial assistance. 

Quicken Loans XXXX Customer Services representatives XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX Ignored my request to REMOVE their Quicken Loans name from my XXXX and XXXX credit report files.
Consumer complaint received 2015-11-13
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PNC Bank N.A. (IN)

Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. 
The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. 
While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. 
I hope this is helpful and that you will be able to fulfill your economic plans in the future.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

The only names I have ever used are as followed ; XXXX XXXX and XXXX XXXX. I never spelled my name ; XXXX or XXXX or XXXX, please remove those names from my credit report. I have never lived in Pennyslvania and I need the XXXX PA address remove from my credit report. Thank you.
Consumer complaint received 2015-08-15
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: NRA Group, LLC (PA)

On Friday XXXX XXXX 2015, I received a voicemail from XXXX. This number does not match the collection agency so I believe it was spoofed. The caller claimed to be from the XXXX county sheriff 's office and stated that I had XXXX warrants out for my arrest and that by calling me, I had been ''served '' I have no warrants and this call was from National Recovery Agency , a bill collector. The caller did not identify herself or state that she or the company was a debt collector. It is illegal to impersonate law enforcement and I doubt the sheriff 's office would take kindly to this.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (OH)

A PayPal credit account was opened in my name ( tied to my existing PayPal account ) without my knowledge. I have not used the account and have been charged an annual fee with now late fees added. Attempts to close the account have been met exclusively with responses attempting to collect said fees.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: U.S. Auto Sales Inc. (GA)

I am writing to dispute U.S Auto Finance Account Number : XXXX on credit report number from XXXX, and XXXX, XXXX. The validity of the debt has not been proving/ and unverified. This vehicle was sold in an auction the balance listed on my credit report is incorrect. Please delete the account as they are in violation of my consumer rights under FDCPA..
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation (TX)

Hello, I was a student at XXXX XXXX College. Due to federal loans covering only a part of my education, the school insisted on getting a loan through a private company. While attending school, I was required to make payments every month. XXXX breached due to the sudden closure leaving me to pay off a loan for an education i did not receive.
Consumer complaint received 2016-06-03
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc. (AZ)

I requested that the collections agency in question cease contacting me between the hours of XXXX and XXXX as I work during those hours, and it is disruptive to my work. 

I verbally requested this when I spoke with the company representative on XXXX/XXXX/2016. 

This morning, at XXXX I received another call from the company despite my request to cease contacting me during work hours.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

In early 2014, XXXX XXXX XXXX sold my mortgage loan to Everhome Mortgage. I started calling Everhome in early XXXX and on a daily basis and could not get a response. Shortly after, I received a letter stating the foreclosure sale would be cancelled for XXXX. Then Everhome agreed to a modification trial payment plan. I started making my XXXX payment in XXXX 2014 and continued to do so. When my payment for XXXX was mailed in On XXXX XXXX, 2014 my check was returned and I received a notice stating unless I was in an prior arrangement they could not accept the payment. I was already on a trial plan. My home was foreclosed in XXXX. The balance of my home was {$52000.00} dollrs and they sold it for {$68000.00}. My property was illegally foreclosed. Everhome told me that they sent the documents to my home. The only address I ever received my was at my XXXX XXXX . They were aware that my home was rental property and they explanation for foreclosing was because they XXXX the documents to the house.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

I applied for a Macy 's credit card and used it to buy some chairs. The chairs were defective and I returned them with Macy 's approval. It took Macy 's a long time to apply the return credit to my card. They charged me late fees and then reported me as late pay on my credit report. I just got denied on a mortgage loan application because of this. 
The " lost money '' amount reflects the higher interest rate I will be charged on a mortgage loan because of this.
Consumer complaint received 2015-09-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (CA)

on XXXX I sign up with XXXX XXXX XXXX XXXX XXXX Al XXXX for assistance in help me with the payday loans.They sent nofication letters to payday loan companys, to provide validation of claim in pursuant of Fair Debt Collection A01 15 USC 1692 Section 809, ref the case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX, Mi XXXX was nofity.They did not Validation.Now they are pursing they with a collect agency.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX, I got a joint loan with my now Ex Husband. I was and still am primary on that loan. In XXXX we divorced, In my divorce agreement it states clearly that I 'm not in anyway shape or form responsible form this property. So quick claimed it to my ex husband. All of this all occurred in XXXX. Fast forward to XXXX. 
2 years after my divorce. My Ex Husband Modified the original loan " which I to this day am still primary on the loan ''. He, without my knowledge, consent, or signature filed it and it was Granted by Chase Bank. I am a single mother of XXXX who until a few days ago " XXXX '' had no idea he had done this. He modified the terms to 540 months on the loan with a fluctuating interest rate. I finally after 7 years of divorce am able to buy my own home but due to this modified loan I cant do anything and Chase is telling they did n't need my signature, constant or knowledge. They said since he has a quick claim deed from me to him that they were able to do that. But I 'm still on the loan yet all the terms have changed. Yet I never agreed to them. 
How could they do that? And why cant they take me off the loan since I have n't agreed to any of the new terms? I need this looked into please its preventing me from continuing my life. I cant even buy a car. 
And now I stuck with a 45 year Mortgage with 4.785 % that fluctuates yearly. I 'm XXXX and do n't know who to turn to. 
And chase says my ex can do whatever he wants to because of the quick claim deed but I cant do anything.
Consumer complaint received 2016-06-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have a loan with Navient which use to be XXXX XXXX. I 've had this particular loan since XXXX XXXX 2008 and it was used for when my daughter went to XXXX XXXX XXXX because she had a very hard time learning how to read because of her XXXX. My father had to be a cosigner on the loan but all this time I 've been making the payments on time and by direct deposit. At first my interest rate was at 6 % variable and then it was at a 6 % fixed and now its at a 12 % variable. It seems as once I get close to paying the loan off they go up on the interest rate as well as lower my direct deposit payments so that I 'm paying the loan off slower and slower. So far I have had this {$5200.00} loan for eight years and I 'm trying to see if this company is scamming people to keep them in their loans longer so they can keep collecting money or using the same tactics they were using when they were named XXXX XXXX. Please help!
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

With response to my claim # XXXX, I have made payments on the due date, and now they have increased my payment. I am not even making minimum wage and they wo n't help me. They told you that I needed to re submit the forms, but I have done this 3 times now but no reply. I stated this to you to dispute their last response, but I have n't heard any reply from you. I ca n't even buiy food for my XXXX sons because I do n't work XXXX hrs nor do I make minimum wage. Someone please help me!!! 
XXXX XXXX
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

I had an account with XXXX XXXX Bank, XXXX XXXX bought it as a delinquent account, and they took me to the local Magistrates office to recieve payment, he awarded them just over {$1100.00} and they say I owe {$1500.00}. I sent the info to Equifax to correct it, and remove it from my credit, I recieved a paper back stating that it was correct. I sent all the paperwork proving it was incorrect, including the magistrates paperwork, and they did not correct it. I am now filing a complaint with your office to get help.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : 1 XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Utilities And Fuel XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I have tried multiple times ( online and by phone ) to obtain my free credit report, both have said my information is not correct and have not been able to get my credit report ( with all XXXX companies ). I lost my social security card and have been denied credit, I just want to make sure no identity theft occurred.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I have been paying on my student loan since I graduated from college in 2008. The company never made any payment going towards my principle. They keep recommending forbearance and unstructured repayment plans. To this day the balance has never changed from the original loan well over nine years ago. Please help! I hope the attorneys win their lawsuit against XXXX XXXX now called Navient.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

Navient ignored my complaints when asking for documentation in reference to payments that I had made. They also made it impossible when trying to apply for a forbearance, when I fell on hard times and could no longer make my loan payments.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The CBE Group, Inc. (TX)

I request a dispute with dtv XXXX service with my discover card my acct.was credited XXXX. never reponded this was 2014 they sent the charge to cbe group for XXXX