davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SIMM Associates, Inc. (FL)

I have had the unfortunate experience of dealing with Simm Associates, a collection agency, in handling my student loans. After losing my one of my jobs in XX/XX/XXXX and working at my other job only 30 hours/week ( employer given hours ) I was not able to make full payments on my student loans. I offered to make reduced payments, however, the original lender, XXXX XXXX, refused a payment reduction to $ XXXX/month vs the required $ XXXX/month. They then sent my loans to SImm Associates. Since XXXX 2016, I have received multiple calls to my business cell phone which I have asked them nicely on MULTIPLE accounts to not call. I then began taking screen shots of the calls so I could document the continued calls. The next step was calling me during the business day at my place of employment. I asked that call to stop as well, but they continued. They even went as far as to call my father-in-law harassing him for information- again, I asked them to stop and they did not. Each of these callers from Simm Associates were rude and threatening, telling me they were going to put a lien on my assets, garnish my wages, continues to call my work office until a solution could be reached. EACH AND EVERY TIME I offered to again pay them {$100.00} and they would only laugh and tell me that was not enough money. I asked for a payment plan of some sort, or a long term solution for paying off these loans. XXXX person, by the name of XXXX, actually hung up on me saying I was wasting his time asking for a payment arrangement. This was the same person who told me I graduated from an XXXX school and should know better. Simm Associates is a collection agency- they DO NOT have the right to harass me, tell me they are going to put a lien against my property, take me to court, to call family members not associated with this loan nor call my cell phone. They have my home phone number which I have asked them to call to speak with me. They are utilizing unfair collection tactics as described in the Fair Credit Collections Act.
Consumer complaint received 2021-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XX/XX/XXXXXXXX-Unverified account- Delete immediately XXXX XX/XX/XXXXXXXX Unverified account- Delete immediately XX/XX/XXXX- XXXX-Unverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, Texas XXXX XX/XX/XXXX
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (WA)

Apparently my mortgage was sold to another lender. There was no notification of the pending " transfer '' or the actual " transfer '' by either my " old '' lender, Central Mortgage Company or my " new '' lender ( as of yet undetermined. ).
Consumer complaint received 2018-05-29
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)

**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XX/XX/XXXX, we finally reached a supervisor at XXXX XXXX that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CT)

On XX/XX/2022, a family member got access to my Macy 's credit card app via my phone while unlocked, requested that my card be closed via supposedly chat, next day I notice my account was closed, called early in morning to report it to Macy 's as a mistake and tried explained and demanding they reopen my Macy 's card due to it being without permission or authorization. Got the runaround and was told flat up can't reopen it. I've read reviews that yes indeed it can be opened by similar customers of Macy 's online. I sent a XXXX  complaint but prefer to make a complaint here since I am fed up with Macy 's and I've been a great customers always paying on time. the Macy 's credit card was a XXXX All I ask is to reopen my card as it was before and will make sure in the future this doesn't happe again by locking my app or online activity.
Consumer complaint received 2016-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: We Collect Inc (OR)

This debt was discharged in a Chapter XXXX bankruptcy and the original creditor -- XXXX XXXX reports I do not owe them anything. This still shows as an open collection on my credit even after bankruptcy. 
Please contact XXXX at XXXX XXXX for verification. 
I do n't owe this
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

Took mortgage from LoanDepot XXXX XXXX XXXX : XXXX ). Made first payment on XXXX, 2016. Then got the letter that the mortgage account was sold to XXXX XXXX XXXX XXXX : XXXX ). When I called LoanDepot, they said they wired the first payment amount to XXXX Bank after a month XXXX XXXX XXXX ). Contacted the XXXX Bank and they say they have n't received the amount. XXXX Bank issues another notification to me that I still have to pay the amount. 
Highly frustrated with both LoanDepot and XXXX Bank transactions. Both parties say they completed the transaction properly. Not sure where the issue is but being a customer I had to pay XXXX loan payments in one month and also could n't get the benefit of paying off a payment before 2016 yearend.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I obtained a loan from XXXX XXXX ( later Navient ) while attending my XXXX university in XX/XX/XXXX. As an aside, it was reported that the university received kickbacks for me being pushed towards this loan service company. I later enrolled in XXXX in XX/XX/XXXX. As a full-time student, my loan was automatically put into deferment. In XX/XX/XXXX, I was notified that a payment was late. I was billed, with less than 30 days notice, for a full repayment payment. I called and spoke to customer service multiple times, and was told that my loan was taken out of deferment each winter break and every summer break ( for my XXXX year period as a full-time XXXX ) because " I was not taking classes during the break periods. '' As a result, my interest capitalized a total of XXXX times from the time I enrolled in XXXX until the time I graduated XXXX years later ( XX/XX/XXXX-XX/XX/XXXX ). Instead, since I was in deferment as a full-time student, interest should have been capitalized only once upon my graduation in XX/XX/XXXX. This unreasonable service of the loan is in complete conflict with the concept of full-time student deferment. No other loans I held during this period ever capitalized interest ( XXXX, XXXX, XXXX and XXXX ). Aside from the issue of wrongfully capitalized interest and forced payment with a late fee, XXXX and Navient have also failed and refused to provide me with a proper interest statement for tax filing. I have requested such documents and have not once received the proper paperwork. Rather, I have received notices stating " although you may have paid interest in XXXX [ insert any year until XX/XX/XXXX ] the interest is ineligible for a tax deduction. '' As a result of claiming the interest on my tax returns, I have recently received correspondence from the IRS. I was required to compile paperwork and provide supporting documents, since I am still told I am not able to obtain a tax statement from Navient, to provide to the IRS. This wrongful conduct by Navient has now resulted in delays in obtaining this years tax returns, as I am being audited for taken deductions from Navient. I have called and attempted to work with Navient to obtain information and to prevent the capitalization of interest on my loan throughout this time, but no relief or proper response was ever received. I am seeking to hold Navient accountable for the wrongful interest amounts charged, and the cost of legal assistance to respond properly to the IRS for Navient 's failure and refusal to provide the necessary tax documentation.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (WA)

I have my loans through Navient. I checked with federal student loans and the reported interest rate was 5.9 % and I checked Navient and they are reporting my interest to be 8 % to 9 %. I feel like they are misreporting my loan amount and interest.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (LA)

I 've had to defer and place my loans in forebearance every since graduating and thanks to the interest rate, I may never pay it down. Im grateful for the loan but need help getting the balance down or possibly lowered interest rates. I was able to get an income based repayment but it expires this year and my cost is increasing monthly.
Consumer complaint received 2016-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

I have a student loan with Navient which took over XXXX XXXX. I have tried on many occasions to ask them to apply overage payments to the principal and they refuse saying they have to take it off of the next payment??? I do n't know if that is legal. If I pay the entire payment including what would go to interest, I thought I have the right to direct the surplus to paying off the principal. With XXXX XXXX we were able to check a button that said apply to next payment or apply to principal. I ca n't do that with Navient?? I have even written to them to apply it to the principal and that does n't work either. What are my rights?
Consumer complaint received 2016-11-19
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Elite Student Solutions (TX)

I was making payments to this company in relations to my student debt and I had found out that this company I had been paying has not been putting it into my loans. 
I got a call from XXXX, my primary student loan provider, and it came to my attention that there was no payments being made to my loans.
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Omega RMS, LLC (WI)

I paid Omega RRC for a debt they said I owed for XXXX XXXX XXXX, however, XXXX XXXX XXXX closed and I am not able to use the services or have services provided prior to their closing. I paid Omega over {$2500.00} so that they would n't ruin my credit as they were threatening to do so. I called Omega and explained the situation and they supervisor XXXX said that I should continue to call XXXX XXXX which the line is busy XXXX. I paid Omega travel on XXXX via XXXX XXXX the balance they stated we owed. Omega collected on a company that is closed, the XXXX also states they are out of business and Omega has n't been able to send us documentation that the amount was owed. I feel we received NOTHING for the money we paid Omega so we should receive our funds back from them. Any assistance you can help in resolving this matter would be greatly appreciated.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I am a  XXXX   XXXX   XXXX  veteran. On my report for   XXXX   there are  XXXX   XXXX  accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Northland Group Inc (LA)

In addition to this company leaving messages at my place of employment in which I have several voicemails saved.And after telling them by phone to not call my place of employment because I could lose my job, the vcalls are still being made with the last call from them being on today.The voicemails states that I will be served at my job on the same day the voicemails are left and to consider myself notified.My place pf employment tel. no. that I have asked them not to call is XXXX. And on top of that, I have no clue who these people are.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Movement Mortgage LLC (GA)

On XXXX XXXX, 2016, my partner and I closed on a new home. We are both first time home buyers. Our mortgage company at closing was Movement Mortgage. Our first payment had not even come due when I received a letter from Movement Mortgage dated XXXX XXXX, 2016, stating that our mortgage was being transferred to another entity, XXXX XXXX. The letter stated that the official transfer date was to be XXXX XXXX, 2016. On XXXX XXXX I registered with the new lender 's payment site, which had all my info and reflected my current due payment for XXXX, and paid our first payment. I thought everything was fine until, on XXXX XXXX, I received a letter dated XXXX XXXX from Movement Mortgage stating that the transfer did not go through for the date expected and implied that our first payment should go to Movement. I called Movement 's customer service line and was told that our first payment should have come to them and the payment we made to XXXX was supposed to be our second payment. The Movement rep said he put in a request to have the payment transferred to Movement. I did not have high confidence in this individual, so I called XXXX and was told that our loan was successfully transferred to them and we actually did pay our first payment. Confused, I called Movement back and got the same rep ( his name is XXXX ). I asked him to confirm who owned our loan, and he just repeated several times that it would take 48 hours to hear back from the other lender. I asked to speak to a supervisor and he refused to transfer me. I hung up, having received very little help, and contacted the loan officer that originated our mortgage, who provided way more assistance, but I am still at this time left with very confusing information.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (IL)

On XXXX/XXXX/15 I received the following offer from my Paypal MasterCard : " The choice is yours this holiday season -- Earn a {$25.00} e-gift card when you spend {$75.00} or more with your PayPal Extras MasterCard ( R ) now through XXXX XXXX, 2015. * ( Maximum of XXXX {$25.00} e-gift card can be earned. ) " I activated the offer & charged $ XXXX+ on my credit card the following day. On XXXX/XXXX/15 I contacted their customer support via email asking when I could expect to receive my e-gift card. First they requested that I forward the email to them with the offer, then they requested I copy & paste the offer in an message to them. After 5 back & forth messages, they told me that I had to call their customer support phone number. Each message from them was from a different person, never the same one twice. I call the phone number I was referred to & after more than 30 minutes, I was told that I had to be transferred to someone else. After another XXXX minutes & telling my story again, I was told that the first person should have helped me & was transferred back. At this point, I told the rep to cancel my credit card & not to send me any further correspondence other than resolving this matter. After nearly 45 minutes with the next rep, I was told that because I had cancelled my credit card, I was no longer eligible for this offer!
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (OH)

Synchrony bank submitted my name to all XXXX bureaus with XXXX late payments even though I had been making them. They charge XXXX per month for a late fee, even though the payment might have come in just a few days late. They were turning me in because of the Late fees because even though I was paying them the regular monthly payment, I was unaware that late fees were accumulating and putting my bill into the " late '' category. I think turning me in XXXX times to credit bureau without being notified was excessive! I have since put them on autopay and if I had the money, I would pay them off immediately! They are rude when up you call and their communication is terrible! I had no idea they turned my name I to credit bureaus until I ran a report - are n't they supposed to notify you?
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (FL)

I made a purchase in the old navy store in XXXX. Prior to my purchase I was told that I would receive a certain percentage off. I believe 40 % or 50 % for signing up with their credit card. I made that purchase and saw that I got the percentage off. After I checked my credit report it showed that I had balance on an old navy card of {$80.00}. The remainder of my purchases that I was told I had saved.the representatives did n't tell me that the remainding balanced would be placed on the card. And now I 'm being charged for money that I should 've saved. I 'm a victim of false advertising and misleading a customer.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TX)

After XXXX refused to fix, replace or refund charges they made to my Barclaycard XXXX for some unusable equipment and service that could never happen, I called XXXX to try to open a dispute. On XXXX/XXXX/2015 at XXXX, XXXX , Employee ID : XXXX, took my complaint and said she would be back with a case number. When she returned, instead of giving me a case number, she conferenced XXXX of XXXX on the line. A little way into XXXX and my argument, I realized XXXX had already hung up the phone. I hung up and called Barclaycard back, and XXXX, Employee ID : XXXX tried to get XXXX on the line again. I told XXXX, just like I had told XXXX, that all my attempts to talk and email some sense into XXXX had failed, because all they do is take money. I told XXXX to just open a dispute like other credit card companies do, but she refused. She said all the supervisors were too busy to talk to me. She said I would have to cancel my card to stop XXXX 's monthly billings for nothing. I called back and XXXX, Employee ID : XXXX cancelled my card for me. I explained to him that I would never pay them for the XXXX charges.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

An empty lot adjacent to the property that is the Commitment in the Security Instrument for my mortgage had a lien incorrectly placed on it. I would like to sell that lot, and can not get the mortgage company to remove the lien. XXXX backs the mortgage, and Green Tree Servicing , LLC is the servicing agent. Green Tree refuses to process my request for a title defect from origination, which is the preferred method per XXXX servicing guidelines. Instead, they want to process as a partial release of mortgage, which requires them to make the determination that the release of property does not adversely affect the debt-to-asset ratios, which it will. Therefore, they are unwilling to fix the issue. The county will not remove the lien, unless the mortgage company is willing to sign that the lien is in error, or that they willfully remove the lien. Since, neither Green Tree or XXXX will sign a document, or resolve the title defect, I am unable to sell a lot that was never part of the mortgage. 
I am attaching the original mortgage, which shows a purchase of Lots XXXX and XXXX, with the transferred property rights in the Security Instrument being only Lot XXXX ( see bottom of XXXX page of attached mortgage, under section TRANSFER OF RIGHTS IN THE PROPERTY ). I paid cash at closing for Lot XXXX, which as an empty lot, could not be made part of the Security Instrument.