davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (CA)

I called, Credit Management.LP at XXXX XXXX XXXX, XXXX XXXX in XXXX Tx, XXXX. Phone number XXXX. I requested my information using my last name and last 4 but they were unable to find me in their system. However, when I provided my full name and full social security they were able to find me but my name was spelled wrong. I told them, they had the wrong person because of the name they listed. They said, the social matches so it has to be you. I told them I never received my dispute letter and the lady said, we already sent it. But how can that be, you do not have the right name. I told them I want to dispute the debt by phone and she said, we dont do that here. I told the lady according to the FCRA you are suppose to dispute the debt, if the consumer said it is error. She told me to go to the website. The FCRA says I can dispute immediately by phone. When I asked about my letter for dispute again, she ignored the question. I reported them to the XXXX XXXX XXXX and they admit in their comments they didnt send me my dispute letter and that it was on its way, after about 120 days latter.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

This is to request your assistance in resolving a problem with a wire transfer that has been lost. 

I submitted a wire transfer from my account with USBank, in XXXX, CA. I am purchasing a home, and the money transfer was required for XXXX. The details regarding this transaction are as follows : Date : XX/XX/2022 XXXX {$18000.00}. 
Reference XXXX On XX/XX/2022, a wire transfer to XXXX XXXX XXXX was processed for escrow. Several days later, the escrow officer notified me the wire transfer had not been received. 

As of today, XX/XX/2022, the wire transfer has not been processed and I have not received any information or assistance from the XXXX branch. I have made numerous trips to the bank and repeatedly spoken to XXXX XXXX, branch manager. 

It is extremely frustrating that the branch manager had no information and responded that he didnt know anything. 

Wire transfers are supposed to be available to send secured funds in large amounts and completed within minutes. It has been seven days, and US Bank has not located my money or provided any assistance. Each time I ask about the wire transfer, XXXX XXXX is dismissive. Finally, I was advised that the wire transfer is under investigation. 

On XX/XX/2022, I was advised by the wire transfer customer service office that XXXX XXXX had failed to respond to their correspondence. It appears XXXX XXXX is either incompetent or simply unconcerned about customer service. This afternoon, I contacted the Corporate Office and was referred to the supervisor, XXXX XXXX XXXX. I left numerous messages, but she never returned my call. Lastly, I contacted the bank and wire transfer office but can not resolve the issue. XXXX XXXX advised me the wire was processed today ; however, escrow has not received it. 

This error may cost me thousands of dollars because the interest rate on my loan may be significantly higher. In fact, I may lose the opportunity to buy a home because of this error. 

Thank You, XXXX
Consumer complaint received 2017-06-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

Navient  has denied me payment plans that would meet my income and Now that I am back in school they refused to put my loans into deferment. I have been arguing with them for over 2 years now to please take my loans off my credit report as defaulted. I have not defaulted on them. I have been in school and yes, I did take some time off due to personal health issues but I have never even been out of school for a whole year since  2013 . When they told me I could n't be deferred I was blown away because I was told that I could be deferred up until  1st year after graduation. I then even tried to set up a payment plan with them just to keep it from hurting my cred  it score an d was told I would have to pay  XXXX  $ a month and was denied anything lower. Now because they would not give me a reasonable amount that I could afford and wo n't defer me even though I am a  XXXX   XXXX   XXXX  attending  XXXX   XXXX  I am being denied for personal private loans and all loans or help because of the derogatory remarks and Navient saying I have failed to make payments. I need money to help pay my rent and bills and ca n't get help. I ca n't get a credit card I ca n't borrow for anything. I do n't think it is fair that they have been able to deny me help also because they should have to borrow to me since they caused this. For  over two years they have been destroying my credit score and refuse to h elp me
Consumer complaint received 2017-06-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OH)

I have for the third time already had problems with this bank and services that it is suppose to provide for me. I have account balance notifications set up for my email and text message that never work while the bank continues to charge overdraft fees to my account while it continues to go further into the negatives. My account dropped below my notification limit on  XXXX / XXXX / 17  and have yet to receive any type of notifications to this date of  XXXX / XXXX / 2017 . My account dropped into the negatives on  XXXX / XXXX / 17  but have yet to receive any notifications or have the decline of my card to this date of  XXXX / XXXX / 17  to which i have gotten to  XXXX . There is also an instance in which they charged  XXXX  overdraft fees  on one d ay  XXXX / XXXX / 17  of  XXXX  $ each for a total of  XXXX   . Ag ain no notification both email or text was ever sent all the while allowing me to accrued debt and fees with no knowledge or notfication.
Consumer complaint received 2017-06-10
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. (NY)

I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company XXXX still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with Equifax and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of XXXX with Equifax under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (MO)

I received a letter fr om Procollect offering  a settlement and deletion from my credit reports. I contacted them on  XXXX   XXXX  in reference to this letter and paid the settlement and was told the collection would be deleted on  XXXX   XXXX .   To date the collection has not been deleted and still shows full balance due. I have contact ed Procollect twice about this, once spoke with a supervisor, both times being told my balance is {$0.00} and thi s is no longer their issue and was then hung up on by both associate and supervisor when I started to ask questions.
Consumer complaint received 2018-06-01
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)

Ive tried to upload a police report for fraud in my information that manifested over 40   unauthorized hard inquires that are holding me back from securing a home loan. I kept getting an error when trying to dispute on Equifax.com
Consumer complaint received 2022-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2017-06-11
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. (CA)

I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems du e to the Fair Credit Reporting Agency Privacy Law.   On  XXXX   XXXX ,  2017 , I sent certified letters to the  XXXX , Equifax, and  XXXX  asking for documentation of validation associated with the bankruptcy.   To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how chase is accepting that the payments were returned see document attached but still Chase reported but still Chase reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead  so it remains on my credit report forever
Consumer complaint received 2017-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC (ME)

Received a collection letter from company collecting for  XXXX   XXXX . The  XXXX  account has been in a complex situation since my original account was split into. Also, I have not been contacted by  XXXX   XXXX  via postal mail, email, nor telephone, since the previous complaint,  XXXX , which was referred back to  XXXX   XXXX . This account has had issues in regards to the bill getting higher each month. Also, there was never a final bill for the account in question, listing the reasoning behind their charges. There was only a bill with the inflated amount. I am also continuing to receive a bill for the account in question.
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am having a problem with navient. I have filled out papers for the repayment plan and keep being told I did n't do it. They consolidated my loans, they have closed and opened the accounts so many times it keeps messing up my credit score. I have asked three times for copies of all my paper work including the original loan documents and they have told me they are in the mail. After 2 months I have yet to get them. I am cniurrently waiting for papers to be sent to me so I can finalize my repayment plan o the income based program. But they have n't showed up.
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STERLING JEWELERS, INC. (TX)

Jared Galleria is calling me upwards of XXXX times a day half from private numbers others from multiple different numbers mainly from XXXX. I answer and they hang up constantly. I have talked with them and explained the situation and they continue the same behavior. This is rediculous and harrassment.
Consumer complaint received 2017-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

1. Alt hough I have been paying my loan since  XXXX / XXXX /   2002  after a consolidation of my federal stafford loans, my original loan balance has only decreased slightly. My original amount was {$27000.00} and my current payoff is still {$24000.00}. If I continue making payments as scheduled, I will pay another 10 years and essentially pay double what I originally borrowed. I had  XXXX  windows, which one was a personal bankruptcy in which I did not make payments, but for the majority of time I have made payments.    2. I  have applied and been denied numerous times loan forgiveness for programs that I should have qualified for (  XXXX   Loan Forgiveness and Public Service Forgiveness ). Both have been denied due to loan dates and my consolidation. I have applied for forgiveness for making payments for 10 years, but was told I had to switch programs ( making b asically the same payment amount ) and start over my 10 year count.    3. I  have called  XXXX   XXXX  a nd Navient over the years with no satisfaction. I have consulted my attorney for my bankruptcy and I have written the President and been referred t  o the US Department of Education. The US Dept of Ed referred me to the same forgiveness programs that I was originally denied several times.
Consumer complaint received 2017-06-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened an account wi th Citibank for a {$500.00} promotion. I had to open a checking and savings account and put {$50000.00} in within 30 days. I also had to switch to paperless statements. I followed all the directions on point. They decided to close my checking account without prior knowledge nullifying my credit to the {$500.00} even though {$50000.00} is still in the savings. This was deliberate in an attempt to deny me the prom otion.
Consumer complaint received 2017-06-11
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. (SC)

I have complained to Equifax many times and desputed that   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  are duplicate accounts. A Equifax representative said The  XXXX   XXXX  had been removed from my Equifax credit file, this person lied it is still on there.     Equifax must hire misfits from o ff the street, for e mployees. I do not trust the Equifax Organization.       XXXX   and  XXXX  are much more Professional, honest and organize.     Please investigate my entire Equifax cred file.
Consumer complaint received 2017-06-13
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: Clarity Services (WI)

Clarity Services  Inc  -  XXXX ,  XXXX  Manager.  XXXX  XXXX  XXXX . Obtained a copy of my  Clarity  Credit Report due to a loan denial. Notice Items reported incorrectly including items that have been  discharged  thru Bankruptcy and inquiries that are as old as  XXXX  on  XXXX / XXXX /  XXXX   Contacted Clarity and spoke with a rep (  XXXX   )  to file a complaint, was told that I needed to speak with a supervisor (  XXXX   )  and was transferred said supervisor, she was very polite and stated that would look into my accounts, as far as the inquiries, she stated is their policy to report those for  five  years, to which I advised her that was against FCRA  .   XXXX  said that she would talk to her Manager (  XXXX  ) and would call me the next day. On  XXXX / XXXX /  XXXX   since I received not calls I contacted Clarity again, spoke with  XXXX , she apologize as she was not able to contact me when promised. She gave me feed back on the collections and said that as  Far  as the Inquiries her  Manager   XXXX  was upholding their policy of  five  years, but that I could speak with him directly. She tried to transfer me but the call was disconnected. Received a call from  XXXX , he asked me where I was getting the information, I advised FTC and FCRA, again upholding their policy and advising that FCRA does not state a  two  year limitation on Inquiries and that I could dispute the information.
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Equifax, but they refuse to take it off the report.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by  XXXX  and  XXXX . However, Experian still maintains these collection debts on it credit report.
Consumer complaint received 2017-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

I sold an item on  XXXX  and sent wit h USPS postal service with tracking number an also insured it for {$600.00}. Twelve days later buyer reported that they did not receive an item. Pay Pal immediately stole my  funds and gave it buyer. Pay Pal had tracking number and shipping history and still did n't refunded my funds.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

PROCOLLECT , INC  XXXX   XXXX   XXXX    XXXX   /   XXXX    XXXX   XXXX ,    2014  {$1600.00} -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  This company is reporting a disputed debt on my credit report. I have previously contacted the company and requested verification and validation of debt per my right under the FDCPA secti on 809 ( a ) and ( b ) this com pany refuses to provide. I do not owe this debt! I am demanding proof be sent to me via email  XXXX  XXXX  XXXX . The last  XXXX  of my SSN are  XXXX . Also this company must have a surety bond to collect in my state. I am aware I can file a civil lawsuit and see actual and statutory damages from you and your client. It is a violation of the FCRA to reported a debt on my credit report and not flag it as dispute.
Consumer complaint received 2017-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

In  XX/XX/XXXX  I took out a mortgage loan with  XXXX   XXXX   XXXX ,  XXXX . for the amount of {$380000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates.  <P/> On  XX/XX/XXXX , there was an assignment of mortgage filed with  XXXX   County Clerk 's offic e. The assignment of mortgage assigned the mortgaged from  XXXX   XXXX   XXXX ,  XXXX . to  XXXX   XXXX . On  XX/XX/XXXX ,  XXXX  started a foreclosure action against me for the mount of {$370000.00} which is about {$14000.00} from the original mortgage 9 years earlier but I already had paid over {$200000.00}. How is that possible?  <P/> I also never receive any bank statements from  XXXX    XXXX   instead I receive mortgage statements from Everbank which is a party that I am not familiar with.  <P/> I tried fixing the the problem several times. The last two times were trying to do a loan modification which was denied  XX/XX/XXXX . The I resubmitted another loan modification application on  XX/XX/XXXX  which I have not receive an approval or denial yet. Everbank seems to take for ever to process my paperwork. It seems like they do not care whether I paid them back or not, they just want me out of my home which I am trying to repay.  <P/> I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
Consumer complaint received 2017-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (FL)

Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing XXXX XXXX XXXX who was representing Citi/Sears XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did  n't understand why they did this when I worked out a payment arrangement with the mediator and their law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I use a service called   XXXX   XXXX   that lends money and they are connected to my chase checking account and they need to see recent transactions but my bank is extremely lacking and slow in sending those transactions to a ridiculous point of time.
Consumer complaint received 2017-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (AZ)

I received a letter from Contract Callers Inc on  XXXX   XXXX ,   2017. The letter was forwarded to my new address from an address i no longer resided.
<P/>
Contract Callers Inc, is attempting to collect a debt that is NOT mine.
i request th    at Contract callers Inc. provide verification AND validation of this bill.
provide the name, amount owed, signature of contract, address, tenants of this rental property for this inaccurate utility debt, dates occupancy.