davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have multiple federal loans from attending school i was mislead by admissions and financial aide. I was told that i had enough XXXX XXXX to cover the cost and found out much later that is not the case. I was also mislead by job placement rates and the fact that the credits were transferable they are not in fact my XXXX isnt accepted anywhere I would actually have to take XXXX more course to be considered having an XXXX by anyone other than XXXX. I can not continue my education due to these loans. Ive tried forbearance but the intrest rates keep increasing, My payments are expected to be ove XXXX a month for just one of the loans.I am a single parent of XXXX Children. I can not afford this. Ive filled out and sent in multiple documents to have it changed to include the benefit letter for public assistance and food stamp issuance and living in section 8. I can not find The expected job using this degree. I have tried to postpone payments but in doing that comes late fees and more interest.
Consumer complaint received 2015-05-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I applied for and was approved for a forebearance through Navient was paid for on XXXX XXXX, and on XXXX XXXX I began getting harassing phone calls and emails about a late payment because they had not correctly processed the forebearance, only taken my money.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WV)

My loans are double what they were when I started. As well as this, they said I was not able to do the income based repayment. I make so little money compared to what I owe, and what the want monthly is over half of what I make. I do not know how they expect me to pay it, and they wo n't work with me. I told them every time, I want to pay you, but I can not afford what you are asking for. I sent in pay statements to prove to them that I could not make those payments, and they still would n't help me.
Consumer complaint received 2016-07-27
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: ERC (FL)

They keep calling my cell phone, which is illegal. They have also called me at work. 

The company in question harassing me is known as Enhanced Recovery Company ( ERC ) XXXX They are calling me from XXXX.
Consumer complaint received 2017-03-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

I spoke with a representative @ CitiMortgage on XX/XX/XXXX who advised no additional documentation was being requested. I spoke with another rep today who stated a letter requesting additional documentation was sent out on XX/XX/XXXX. The rep from XX/XX/XXXX provided inaccurate information. On XX/XX/XXXX we were over 7 business days from the XX/XX/XXXX scheduled foreclosure and could have provided the required docs. Now we are under 7 business days from the foreclosure due to the rep providing inaccurate information.
Consumer complaint received 2020-04-19
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. ()

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Consumer complaint received 2016-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (OH)

I have a a unverified account from JEFFERSON CAPITAL SYSTEM. I had previously disputed this account. I have never done business with JEFFERSON CAPITAL SYSTEM. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that JEFFERSON CAPITAL SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that JEFFERSON CAPITAL SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2016 I request a XXXX balance transfer to my checking acct. After not having received the transfer a week later, I contacted Citi to find out that a check had been mail instead. I received the check XXXX XXXX, 2016 and deposited the into my B of A checking acct, it cleared the following day. On XXXX XXXX, 2016 Citi did a charge back on my account, took the XXXX back, which spiraled my bk account into a negative balance. 

After contacting customer service and the exec office of consumer complaints, I 've been told that a stop payment was placed on the check, but no one has answers as to why, and I 've been told that they will not have any answers until they review the customer service calls on XXXX XXXX, 2016. Meanwhile, my account is in a negative and B of A continues to charge nsf fees on unpaid negative balances.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

This credit card company Capital One/Best Buy is reporting on my credit report {$2400.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

Dear CFPB, I 've contacted you on numerous occasions concerning XXXX, my ex-husband interfering with a claim he has no right to. XXXX XXXX XXXX XXXX, and now most recently known as XXXX XXXX XXXX Who by the way receivived payment for a fraudulent MERS # XXXX was paid to Kyanite on XX/XX/XXXX after Metlife home Loans had been Paid XXXX XXXX but you do n't want to hear that they 're crooks. 
how many time does a null and void have to be paid? 

wwhy does n't somebody do some real investigating over there, rather then just ask a deceitful unlawful company. ( probably a XXXX corporation for all we know. Ill tell the hacking on my pc is surely sofisicated., But we wont go there now.mAllow mke to just tell you the facts .... 
Yes. 1. Metlife was paid off for underwriting errors and omission 's XXXX -- XXXX for XXXX for loan # XXXX. XXXX was paid by Mers ( XXXX ) on XXXX for loan # XXXX XXXX XXXX XXXX and Metlife Home Loans all agree that a MERS # was not on this loan. Please call and verify this ... XXXX ( Kyanite ) was Paid for this unregistered MERS #. XXXX. 
3. XXXX know I had contacted them clearly up to the sale date as to where they were getting back to me. 
XXXX Canceled my homeowners insurance with XXXX just XXXX day after they received their payment XX/XX/XXXX. Not even a month into my said redemption period. 
Redemption period ..hell they deemed my house as abandoned 4 days after the XXXX sale. yes XX/XX/XXXX XXXX sent an acquisition of abandonment to the IRS stating that my home had been abandoned. 
So XXXX was probably paid by their securing entity because they do not use the MERS system as an insuring instrument. 
Metlife put in for their claim because they had realized that XXXX Of XXXX Mortgage had done her own underwriting charging us and telling us that XXXX would be do it. 
XXXX XXXX XXXX and owner of XXXX mortgage .absconded with the XXXX from what her title work read. why would the title work of loan amount of XXXX only insure it for XXXX idk.. 
Bottom Line ... this Loan is paid for and probably more then once..Let me know if you 'd like the supporting docs. you have many of them them btw the Note has XXXX dates XXXX & XXXX. JMC charged us XXXX for underwriting ... and she did it. 
From the results that I 've received in the past your workers are not through enough to receive results, that can help me find relief. I guess I 'll just have to seek the newpaper if I want to see some possible results. 
By my quirerey ... did n't you find it odd that XXXX said that they would have to get permission from the consumer ... .I thought I was the consumer.. or are my findings correct. they have already sold my house..Way back in XX/XX/XXXX ... 

Sincerely Disappointedthat you allow our Government to repeatedly pay for phantom ..mortgages, just because you will not take the time to truly research my concerns and complaints. 
XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A. (ME)

I took out a private student loan in XXXX for about {$9500.00}. I 've been paying this loan back since XXXX and have been paying it back on a monthly basis ( though admittedly there have been some missed payments, but it has n't happened often XXXX. It 's now XXXX and I went online to check my loan balance through Citibank and found that it is over $ 10k and the interest rate is 7.5 %, which I believe is higher than what I originally signed up for. I sent them a message about this, and got a very canned response. I 'm currently paying about {$100.00} per month for this loan, and it was supposed to be a 10 year term. I 'm about 8 years in to this term and I ca n't possibly see how this loan will ever be repaid if the balance is higher than what I originally borrowed.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me. 

Since I requested a cease of communication, I have been contacted an additional 12 times. I consider this contact harassment and have notified each of their agents to contact me as such. A company like chase should not be allowed to ignore the law when it comes to unauthorized charges, AND harassment. That is highly unacceptable.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IN)

I applied for a credit card on Chase.com on XXXX XXXX and was approved soon after. I did not use the card anywhere, as I was waiting to receive it in the mail. I received the card about 10 days later, however, a fraudulent charge of {$5000.00} was attempted on the card on XXXX XXXX. Considering I never used the card and it was not lost, it seems to me that the information was breached during the chase application process. I tried to contact Chase, but was not able to get anyone to understand my complaint.
Consumer complaint received 2016-02-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

My parents XXXX XXXX XXXX XXXX banked at Chase prior to both of there deaths. I want to know how a bank account can remain active after their deaths and if the bank has any property under my father XXXX XXXX. 
I am not sure why this account was able to have someone access it and transfer money into it which my attachments upon close review demonstrate this. I am attaching files which show the timeline of employees interaction upon his death. I want to be allowed to review his estate matters as no administrator. I want permission which as a person in his will and the Texas law allows As I have a certified copy of his will and his death certificate. 
I request information on both my parents to be reviewed. under the Texas Estste Code : Sec. 151.003 EXAMINATION OF DOCUMENT OR SAFE DEPOSIT BOX WITHOUT COURT ORDER ( a ) A person who possesses or controls a document delivered by a decedent for safekeeping or who leases a safe deposit box to a decedent may permit examination of the document or the contents of the safe deposit box by : ( 1 ) the decedent 's spouse ; ( 2 ) a parent of the decedent ; ( 3 ) a descendant of the decedent who is at least 18 years of age ; or ( 4 ) a person named as executor of the decedent 's estate ina copy of a document that the person has and that appears to be a will of the decedent. 
( b ) An examination under Subsection ( a ) shall be conducted in the presence of the person who possesses or controls the document or who leases the safe deposit box or, if the person is a corporation, an officer of the corporation. 

I look forward to visit and review by parents closed accounts.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. ()

I have on-line banking with Suntrust in Florida but am currently living in the XXXX. I need to wire transfer a large sum of money for my living expenses to my XXXX bank account but Suntrust are refusing to allow me to do so. They say I need a wire transfer PIN number and the only way to get one is by visiting my branch in Florida. I am financially unable to comply with this unreasonable demand.
Consumer complaint received 2016-06-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I have a signed and notarized paper on a credit card that was taken out in my name and the debt was drop and was told it would be taken off my credit report to all XXXX credit bureaus and it still remains there, the company said it would send to all XXXX and would be dropped in 30-90 days and that was XX/XX/2011.XXXX never did this for me in the 2 and half years I hired them, please help me with this matter.this is hurting my credit
Consumer complaint received 2016-07-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (TX)

US Bank listed a property for sale. The claimed to have clear title in the original purchase contract. I obtained financing spent money to get my loan and when I got to closing I found out there was a lien against the property they knew about and failed to disclose. They then expected me to sign a document " Holding them harmless '' from the lien. My lender refused to fund my loan when they saw the " hold harmless '' on the pending lien.
Consumer complaint received 2019-02-16
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. (NJ)

Collection remove from credit report and re-inserted. 

Equifax is not follow FCRA 611 ( a ) ( 5 ) ( b ) of notifying me within 5 days of re-inserting item back on credit report.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC (OH)

The collection agency contacting me is collecting on a debt that I do not owe and, in actuality, was a separate charge from the services for which they had stated they were collecting. I have paid them in full, less the disputed amount, yet they have reported the debt into my credit record as unpaid. 

In addition, they have reported to the credit agencies an amount higher than that which even they claim I owe. I believe this to be a deliberate effort to extract maximum damage to my credit score by pushing the amount over the typical {$100.00} threshold many agencies use in scoring and reporting such debt. 

I have emails and statements to back up this information, which I will provide here if there is a method to do so.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (UT)

Multiple attempts to get my Experian report online ( XXXX ) have failed in spite of entering accurate responses to their questions. This only happens with Experian. It should not be so difficult to get my report, they are making it intentionally difficult and do not provide adequate or timely methods to resolve report request related issues. It feels as though they intentionally provide contact info, phone numbers and online information geared toward subterfuge. Very frustrating. Thank you for your help and consideration.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ID)

I have recently started monitoring my credit reports and I have found an item in my negative collections portion, it is for a student loan/and or credit card that I never signed up for. It says date opened is XX/XX/2009 at that time I never used XXXX XXXX XXXX which is where it is from. It says the account was transferred and the balance is like {$1100.00}. This is upsetting and this was absolutely not opened by me and I never got to spend this money. Please help
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I recently pulled my credit report and found errors in the information. I have written the company and called several times only to be treated very rude by their customer service. The FCRA states that the only permissible purpose for pulling someone 's credit report is XXXX firm offer of credit b ) insurance c ) employment d ) a court order. The following credit inquiries are none of the aforementioned permissable purposes : XXXX, XXXX XXXX XXXX, XXXX ( twice ) and XXXX XXXX Financial in 2016. I have also requested information in regards to a NY XXXX XXXX XXXX in which there has been no response and should be removed. Lastly I have requested that they update my address to my current and remove all others. Again no action taken.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

Equifax is reporting a judgment for XXXX, a satisfied judgment for XXXX and a tax lien for XXXX that I do not believe belong to me. I have never received documentation on these debts and I 've never had issues with my taxes
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I have XXXX private loan with XXXX # XXXX accounts on my Equifax credit report that were written off and charged off and the statue of Limitation are coming up for these loans and I have requested for them to be removed however no action has been taking.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXXe is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019
Consumer complaint received 2017-01-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

My name XXXX XXXX XXXX I bought a car through Ally Financial Inc. Four years later on XXXX XXXX, 2017, I payed it off. As of today XXXX XXXX I did not received my tittle by mail as stated in the purchase contract, to realize what was happening with my tittle I called to find out that my tittle was sent to a wrong address and now is lost.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

i have XXXX items on my credit report that has been reinserted, seen i ve pulled my reports on equifax i did n't recall seeing the XXXX collection accounts on my credit in over a year, now i pull my credit report and my account has more items added that where the same and my credit score went down XXXX points due to these items. i also was sent a copy of my updated reports and the XXXX items where not on my report