davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

I 've have been on a rehab plan now for over 2 years. After a 3 month grace period I was supposed to be put into this program. As far as I know I 'm on it still, after NUMEROUS requests they have not sent me anything confirming I 'm in the program other than a vague letter that they are taking the money out on auto-withdraw that THEY set up and what date, I get that letter every month. The point of the program was to prevent my loan from going into default. I look at my credit report often and it not only says that " XXXX XXXX '' charged off my loan to " Navient '' when the company took over student loans, it also says my loan is over 190 days late, closed and delinquent. I 'm married with kids and I have a great job and I would like to buy a home but I ca n't with this on my credit, even if I paid off all my little other debt I 'd still not meet the requirements to get a mortgage.. I 've tried so many times to get this to work and been replaced on this program at least 3 times and never any results. In the past, after a few months they 've called me hounding me for money but this last time just silence from them for the last 2 years, I can only assume I 'm on the program since I 'm still getting the money taken out and still getting the notice of money withdraw, the notice has no phone number, I do n't even know who to call about this, in the past I 've relied on them calling me, a weird department handles my loan now and I ca n't even contact them.
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (FL)

I filed bankruptcy Chapter XXXX and it was Discharged on XX/XX/2016. I became aware of the problem while attempting to apply for a small mortgage. I was informed of the debt with Wells Fargo that was preventing me from moving foward. Any and all dept with Wells Fargo should of been Discharged with the Bankruptcy. I will attach the document proving this.
Consumer complaint received 2016-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

My loan was sold by XXXX to Navient. Navient then " adjusted '' my account so the due dates of the XXXX loans were the same. This somehow resulted in my monthly payment going up by {$10.00} per month. Over the remaining 72 months this results in Navient receiving an additional {$840.00}.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Sent a XXXX through their system, and held the funds for 15 months. After many attempts I was unbale to get the funds. 15 months later Wells Fargo sent a check. They took the money and held it for 15 months.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OK)

I have a loan for my car through Ally. I was current on my payments through XXXX and even have copies of my statements indicating a balance of zero ( {$0.00} ). When I went to make my XXXX payment, Ally claimed I had a {$260.00} late charge. However, no payments were late and all paper/electronic documentation indicates that I had a {$0.00} balance in XXXX with no late fees or penalties. I have called Ally several times and tried to speak with a supervisor or manager. They can not explain where this charge came from, but refuse to remove it. After my third call to Ally with no resolution, I am filing a complaint with the CFPB in hopes of getting this issue resolved. I have attached pictures of my XXXX and XXXX statements and of my transaction history. I have had several issues in the past with Ally taking money from my bank account without authorization and had to go so far as deleting my banking information and sending in money orders to make payments.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Colony Brands, Inc. (OK)

Swiss Colony/XXXX XXXX state that they, Swiss Colony, report to the three credit bureaus. I have in my hand a copy of a XXXX credit file ; Swiss Colony nor XXXX XXXX accounts are reflected in the credit file. Swiss Colony previously stated to CFPB that they are reporting Swiss Colony/XXXX XXXX accounts to the credit bureaus. 
My Swiss Colony/XXXX XXXX accounts are not being reported to the three major credit bureaus. 
Accounts are in good standing.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my report
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (CA)

1. TCF Bank did not let me close my account, they instead requested me to go to the original branch in a different state in order to close it, which is unreasonable. I originally contacted them around 6 months ago. 

2. TCF continued charging my account a monthly fee for inactivity with the intent to deduct my entire balance. Inactivity charges were not present when I originally signed up to the account, the policy changed without my approval. 

3. When I tried to withdraw funds electronically by adding my account to XXXX, TCF put my account into dormant status, which made it impossible for me to do so.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I am contacting the CFPB with a shared concern/complaint against loan servicer- Navient . My student loans were transferred from XXXX XXXX to Navient. I did not have a choice or option to do so. XXXX XXXX made the choice stating that Navient was taking over because XXXX XXXX had too many loans to handle. I have been paying off my student loans to Navient ever since. I just about 'fainted ' this past week when I read the CFPB filed a lawsuit regarding Student Loan Repayments against Navient. Every news article I read as well as what I read online was an exact match to the horrific experience and relations I have had with Navient. I have cried, screamed and complained to different customer service people as well as spoken to numerous managers about HOW HIGH MY PAYMENTS WERE. I tried over and over and over to get my payments reduced according to my income. I was lied to over and over about what I did not qualify for in repayment for my student loan. I made so many phone calls to Navient stating that my sister who had gone to grad school was paying on her student loan ( s ) and I was forced to make monthly repayments that were twice as much as she repaid. It was so baffling to me because my income was so much less than my sister yet I was paying so much more. I have just me and my income to pay my student loan. I was shaken and dumbfounded, completely at a loss for words at what Navient was doing to me. I continued to ask about lowering my monthly payments, about the RePaye program set in-place, and options I had. But no, there were not any options and I had to continue to pay at the rate that I was told to. I knew they were lying to me. I asked so many times for a plan that reduced my monthly rate on my student loan, esp, when I had begun to ask my employer for an advance on my paycheck. So yes, I have received bad information, struggled, been lied to, and been made to feel very helpless in the repayment of my student loan after XXXX XXXX transferred my loans to Navient. I agree with the lawsuit and others who have filed a lawsuit against Navient. Navient lied to and defrauded persons who have had to pay back student loans to them. I have been very angry with how I 've been treated by Navient and customer service persons who purposely did not allow me plans or payments that were income sensitive to me. When I changed to a different paperless online payment due to a conflicting bank issue I had problems with Navient processing the new set up and not wanting to deal with fee issues that came with it.
Consumer complaint received 2016-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (WI)

My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I sent in XXXX checks ( {$6200.00}, {$4100.00}, {$4400.00} ) to payoff my student loans that I had taken out for my sons college education. The checks were sent in on XXXX XXXX. As of today, XXXX XXXX, the checks have not been posted. I have been told I sent the checks to the wrong address. I also have been told the checks were cashed already, but the money has not been credited to my account. I believe the accounts should be paid off with an effective date of when the money was received and I should not accrue an additional interest. 
I included a letter which stated if there was a problem and/or question to contact me at my email address or cell phone.
Consumer complaint received 2016-11-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NY)

Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MS)

I received a notice last week that my Citibank checking account was being closed. I got in touch with them and was told by a customer service rep that once my account had a positive balance it would be active again. My direct deposits had stopped due to being laid off from work due to coronavirus. Seeing as the customer service rep said the account would be active when it had a positive balance I took no further action. The reason for my inquiry on the account was due to the fact that my government stimulus check was going to be deposited into the account. It had a negative {$130.00} balance so after being told what I was told, which I have documented, I thought the stimulus money would cover the {$130.00} negative balance and I would have {$1000.00} for myself to feed my family on. The day that the stimulus was to be deposited into my account I checked it and it went from the negative {$130.00} balance to a {$0.00} balance. Then it said account was closed. I contacted Citibank and I was told that they could see my money was there and for me to call and they would reopen my account. Now, over the course of 3 days and communicating with 6 different customer service reps, 3 of them have said they can see my money is there but that they cant open the account. A fourth customer service rep told me that they would mail me a check for the {$1000.00}. Then the last customer service rep I talked to told me that my money had been sent back to the IRS, which is a lie also. I do not mind paying them what I owed for the negative balance but, I had been waiting on that money so I could provide for my family and they turn into monsters and decide that they are going to hold my money hostage. All of this has made me XXXX  as a man that cant provide for his family does not deserve to live. Its been lie after lie after lie. How could they, and would they, close a mans account on the day he is to receive such a deposit into it as this stimulus money was to be and for what it means to him and his family. They said that when a account has a negative balance for so many days it is then closed. Well they couldnt give me one more day in order to receive that money? And seeing as what familys all across this country are going through. Now, I cant get ahold of anyone and do not know when or how I am going to get access to my money in order to feed my family. Citibank are monsters!!
Consumer complaint received 2016-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

In XXXX, we needed to put our son in XXXX school to help him XXXX, and could not afford the lump sum at the time. To still be able to give him what he needed, we took out a student loan from XXXX XXXX, of only {$3800.00}. We have made payments of between approximately {$42.00} and {$48.00} per month, as directed by XXXX XXXX, for over 7 years to this date, XXXX XXXX, but the loan payoff had only reduced to {$3300.00} - by merely {$500.00} - over the course of 7 years. The payoff date shows as being in XXXX. 
When we got this loan, we had no idea that it would be so unbelievably onerous. It was with XXXX XXXX, who in fact had our federal loan, which was so easy to manage. This is horrible - the interest rate is 10 %, but this feels like it is worse, from the standpoint of how long they are taking to pay off such a small loan, than even high interest credit cards - if not similar. How is there any reasonable way that over seven years of payment sof close to {$50.00} per month result in a loan principle reduction {$500.00}? That is truly unbelievable, and completely immoral. We were in no way clearly told that the loan was essentially being structured like a front-loaded 15-year mortgage, vs. a basic, standard, simple interest loan. XXXX XXXX has offered no recourse or alternative other than paying off the loan in full, and has been completely uncooperative in looking at any way to structure the loan in any way that could be seen as reasonable. 

This is a {$3300.00} loan - there is no justification to structure a {$3300.00} loan like a 15 year mortgage.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Checkr, Inc (CA)

I was approved as an XXXX in XX/XX/2016 which was cleared and I subsequently passed the background investigation. However in XX/XX/2016, XXXX informed me that it would be conducting another background check which I did not pass. I failed the background check because of a previous XXXX that I sustained. I immediately submitted certified proof issued by the court the the XXXX has been reclassified under a XXXX. Additionally, state law does not permit for this type of XXXX to be re-portable beyond seven years from the time of XXXX. Checkr also conducts background checks for XXXX, XXXX. I failed the background check with this company as well due to the information that is being reported erroneously.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (MI)

On  XXXX   XXXX ,  XXXX  I applied for a conventional mortgage to purchase a  XXXX  home  with Movement Mortgage branch located in Michigan. The loan officer has been great through the whole process, the underwriting staff - Not so much. The underwriter does not follow   XXXX   guidelines or DU findings which my credit meets all FNMA guidelines. They are making up guidelines of their own ( this is n ot underwriter discretion ).     I have a property foreclosure which was included in a bankruptcy in  XXXX ,  discharged   XXXX   XXXX .  XXXX  requires 4 years of which I am alm ost at 6.  I contacted  XXXX  directly as I am also an underwriter and have been for over 20 years. Their underwriter is trying to say since the initial lender did not take the property out of my name that I must be hit again with a tax lien foreclosure. I surrendered the property and included the mortgage,  XXXX  states that is all I could do and that as long as the 4 years have passed for the discharge, I was not responsible.     I have been going back and forth with this company f or 3 weeks now and they even ordered my appraisal and now are taking back the approval due to the tax lien foreclosure, which should not be be an issue and does not even show on my credit as they can  not show it as the lender was responsible.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I have gotten harassed by navient about my loans since I graduated in XXXX of XXXX. I called them and asked them to lower my monthly payments because I also have private loan through my school, and they stated I made to much money for a single person. I then called and asked them to consolidate my loans with my private loans so I can get a lower monthly payment, and they told me to fill out an application. All while my loans are still accumulating crazy interest! On top of my loans I have already accrued XXXX in interest.
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MI)

Loans were in deferment ; I thought that the loans were still in deferment but unfortunately, the deferment expired. Navient transferred the loan to Pioneer Credit Recovery Inc. This company is unbelievable. Not only are they calling my cell phone 4 to 5 times per day, but they are also calling my employer, my wife, my parents, my brother and his wife, my XXXX adult step kids, and my wife 's ex-husband. I am assuming there are others, but those folks are probably too embarrassed to say anything to me. Pioneer has also shared in full detail the reason why they are calling with my wife ( who is not on these student loans ). I am quite sure this company has shared in detail with other folks, too. I do not feel comfortable speaking with Pioneer. I am considering hiring an attorney to deal with this company because I believe my rights have been violated. I also feel they are violating the rights of everyone they are calling. THIS IS HARASSMENT!!!!! It is out of control!!!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

Upon graduation I was never advised that by consolidating my loans I would give up my six month deferral. I was then put into a forbearance ; leading me to end up with capitalized interest that I was not warned of. 
Since then I have been steered into several more forbearances when I have called about having financial difficulties. Even though I have paid the full interest accumulated during each ; at the end of the term I have been refinanced. This has led to my interest being all front loaded again. After 10 years I still owe almost $ XXXX of loans on less than $ XXXX borrowed. I have requested they pull my Promissory Note, and they have refused. 
I have also had problems with the servicer not reporting my name change to the guarantor. This led to me being unable to access my NSLDS information. It took 3 years and a threat to contact the Education Department to get this corrected. 
XXXX, now Navient, have caused me nothing but stress, undue hardship, and cost me more in interest than any graduated student should have to face. These unfair lending practices need to be stopped. Borrowers should also be compensated for their suffering at the hands of deceptive loan servicers.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AR)

I was not told initially about the income driven repayment plans, which resulted in my agreeing to a large loan payment monthly that I couldnt afford. When I finally logged back in after hearing about the income driven plan, the system erred and would ot allow me to apply for it. The School I attended was The XXXX School in XXXX, TN.