davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (MI)

We cancelled our homeowners insurance in XXXX 2015 with one company and selected a new company. Our mortgage company sent a check for payment to the one that we cancelled and that money has not been returned to our account even though that is not our current insurance company. They claim that they are investigating where the money went or where the check went, we have called numerous times and nothing is being resolved.
Consumer complaint received 2016-05-04
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Fay Servicing, LLC (CA)

Condo was returned to XXXX in Chapter XXXX BK discharged XXXX XXXX, 2013. Fay Servicing bought a pachage of properties from XXXX has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me
Consumer complaint received 2015-11-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optio Solutions, LLC (AZ)

I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from XXXX XXXX XXXX. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out todayXX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Fay Servicing, LLC (IL)

I am submitting a complaint with Fay Servicing and XXXX XXXX XXXX due to their malpractice. In XXXX 2015 I was granted trial payments and an acceptance for SAM modification due to the XXXX dollar settlement for principle forgiveness modification by XXXX. During the time XXXX transferred my account to Fay Servicing. Fay Servicing asked me to re apply and when I did I was granted a higher trial payment. I explained the situation to Fay Servicing and provided proof. Even with the proof that I submitted Fay Servicing they could n't find the approval. I have discus this numerous of times with Fay Servicing and they still refuse to approve it because it is something that only XXXX could grant. It is unfair and unjustly what XXXX has done and that is to transfer my file after it got approved. I have provided all documents needed. Thank you for your assistance.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (MI)

I signed up for a 30 day trial for Equifax Credit Monitoring online for {$4.00}. I did this online. When I tried to cancel online within the 30 day period, there was no discernible way to cancel on their website. The only option was to email them through their " Customer Service '' links. I sent an email with my information using their online form. They failed to cancel and charged me {$19.00} following the 30 day period. I called Equifax to ask for a refund and they refused saying that the only way to cancel is to call them on the phone. They said this was to protect me, but obviously, all of my confidential information is on their website and the only reason to require a call is to make it more difficult to cancel. When I complained that I did cancel online through their own process, they refused to acknowledge this and refused to refund my money. They make it very easy to sign up online, but very difficult to cancel the same way.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NC)

I requested my credit reports from Annual Credit Report I mailed in the request form on XXXX, 2017 to receive my credit reports from XXXX, Equifax, & XXXX. I have received my credit report from XXXX and XXXX on XXXX, 2017. It is now XXXX, 2017 and have still yet to received my credit report from Equifax that Im entitled to. Federal Law entitles me to receive one free credit report from each credit bureau. I have requested my all 3 major credit bureaus XXXX, Equifax, and XXXX. I submitted my request at the same time. I have receive my credit report from XXXX and XXXX as of my XXXX 2017. It is now XXXX, 2017 and I still have not received my Equifax credit report that I am entitled to.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

My credit file has been merged. The Consumer affairs department now has my credit file. The accounts that should be shown on my account are XXXX, XXXX XXXX XXXX XXXX, and XXXX. This company has placed my file in a department where I can not see my credit file online and get my score. The lady from the Consumer Affairs say my file will remain there. How can I view my file and I have restrictions on there.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (UT)

I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (GU)

I opened a Discover Credit card to re-establish my credit and raise my credit score. Everything was fine at first, then Discover started " losing my payments '', blaming the other financial institutions for the " errors '', they then claimed I was at fault, dropped my credit limit, I made several attempts to pay balance in full that I doubted I even owed. However, they claimed that the XXXX times " the payments were returned by Discover ''. I do n't know why a payment made to a Credit Account would be returned, that makes no sense. Then Discover started claiming that I owed double the original amount. This is common among the complaints I have seen regarding their services. I even think that employees in their company have constructed a pretty good skimming scam here. No one could give me a straight answer as none of the people I have talked to can explain how my account has become so damaged. I also believe that someone may have stolen my identity, through this process. I need help and protection from these entities. My credit score was above XXXX when this started and now because of Discover 's misdeeds I am at XXXX. I really need your help to clear my credit and get this ridiculous debt amount cleared up. As this has caused XXXX of my accounts and pending the XXXX to be frozen, locked and or closed for their mistakes or wrong doings. My life and reputation has been black marked due to this and it was n't even my fault. I just want my credit fixed right away. Thank you for your time and help in any way. Who can I contact about the ID theft?
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian sent me my credit report on a wrongful dispute that I mention to them they have on my credit report. XXXX XXXX should n't be on my credit report at all that account is over 7 years old. The account was paid off in a settlement and written off by the original creditor. They have no records of the account in their office anymore so Experian could n't have gotten any information. Next Experian failed to provide the proper information on the original creditor they had no phone number for them so how did they verify anything on this account. If Experian truthfully verified this account they should have gotten all the proper contact information and placed it n my credit report. This account was wrongfully disputed and it should have been sent in to Experian as ( outdated ) information pass 7yrs old. Look at the dates on the account.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

I 'm the victim of identity theft as a result some of the information on credit was fraudulent. I have requested these information to blocked, but the credit reporting agency failed to do so. 
XXXX CARD with the balance XXXX XXXX card with the balance XXXX
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (PA)

Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XXXX/XXXX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

Filed complaint with Equifax. They will " try '' to resolve in another 30 days bring the time ( if resolved ) to almost 90 days. Have spent over three hours on the phone with Equifax. Depending on who your are talking to ( I spoke to XXXX representatives they range from helpful to rude and incompetent. 
Spoke with the XXXX collection agency. They assured me that they submitted via " oscar '' on XXXX XXXX, all the required paperwork needed to delete the account. They sent me a copy of what they submitted to Equifax. 
Called Equifax back and they insisted they did not get the report. Spoke to another person the nextday. They acknowledged the the debt was paid and were unsure as to why it was still be reported as a derogatory on my credit report. He put me on hold several times and then stated I need to file a complaint with Equifax. I offered to sent him copies of what XXXX sent me but the Equifax rep informed me that they must deal directly with XXXX. 
It should not be this hard to correct an account that was closed as paid in full back in XXXX 2012
Consumer complaint received 2015-08-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc (KS)

I have receive several emails from a company that I do n't know and do n't remember receiving a loan they are threatening jail time prosecution and etc ... I tried to call the number twice and either it does n't ring or it is busy and the one time that I did get through I could n't understand the person and then when I started questioning him he hung p on me.
Consumer complaint received 2017-02-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (MD)

I received a letter from debt collection agent called " Capital Accounts '' and demand me to pay {$1100.00} debt from XXXX 's XXXX XXXX. I was shocked and called the debt agency the next day when they open the business. I have told the customer service that I did not own this money and thought it was resolved XXXX or three years ago. 

I did have an issue with XXXX with the payment. I have contacted them at least three times or more. I even walked into the XXXX office and the front desk lady said she could not discuss with me and I have to talk to the XXXX wife. So I left my cell phone number but never got responses. The only reponse is a bill statement that is getting more and more money shows on the bill and then I did not receive anything. 

When I and my kids visited the XXXX office, we have agreement to pay up front to the services they provides otherwise they refuse to provide the services. So my understanding is I have paid everything in full before any services and I do n't own any monney. The agreement is obvious that if I do n't pay they do n't provide services. In other words, If they provide services, I must pay them in full. I am not responsible for any extra charges later without my consent. This is against my will and they can not bait me for XXXX price and ask me for additionals later without my consent. It is unfair that they just send me bill and accumalate the debt and leave to the debt collection agency without my consent and without any proper steps and actively communicate to solve the issue with me.
Consumer complaint received 2016-12-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

In Case Number number : XXXX, the CFPB has the authority to do the following when presented with clear and blatant facts of violations by SunTrust Mortgage. The CFPB was directed by the Office of Inspector General of the FHFA to investigate, but did nothing with the CFPB oversight authority. 
" CFPB may bring administrative enforcement proceedings or civil actions in federal district court or state court. The Bureau can obtain 'any appropriate legal or equitable relief with respect to a violation of [ f ] ederal consumer financial law, '' including, but not limited to the following : Rescission or reformation of contracts Refund of money or return of real property Restitution Disgorgement or compensation for unjust enrichment Payment of damages or other monetary relief Public notification regarding the violation Limits on the activities or functions of the person against whom the action is brought Civil monetary penalties ( which can go either to victims or to financial education ) It is also possible hat the CFPB will seek significant fines in its enforcement actions. The penalties that the Bureau may seek are also significant. The CFPB can seek to impose civil penalties of ( a ) up to {$5000.00} per day for the violation of a rule imposed by the Bureau, ( b ) up to {$25000.00} per day for the reckless violation of a federal consumer protection law, and ( c ) up to {>= $1,000,000} per day for a knowing violation of a federal consumer financial law or regulation.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

A payment of XXXX was not applied to my highest balance/highest interest rate loans. Loan sequence XXXX and XXXX should have been paid down/off, but instead they paid down XXXX and XXXX. XXXX of which were the lowest interest rate.
Consumer complaint received 2016-07-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CO)

Hello, American Education Services acquired my private school loan from XXXX bank about a year ago. I have been making my monthly payments through automatic debit ( which provides a slight decrease in my apr and defaults to the amount that they expect to be due ... even if I pay ahead it 's always a specific amount ). I recently realized that breaking my payment into bi-weekly payments would help me pay off the loan sooner and with less interest. 

I contacted AES and requested that my automatic debit amount be changed. I first requested that it be taken out bi-weekly but they said they ca n't do that. I then requested that they only take out the half of the payment when they process it then ( so keep the auto debit but have it be half the amount ). And then I could go in and enter a manual payment for the rest. They said they ca n't do that. 

In no other industry have I encountered a company that wo n't let me automatically debit the amount that I request. This is unfair business practices because in order to make the payments as I would like I need to cancel the auto-debit and make the payments manually on my own which will lead to me losing the apr benefit that I am getting with auto debit. 

Thank you, XXXX
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNTRUST BANKS, INC. (GA)

I previously had a dispute with Suntrust Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

On XXXX XXXX, XXXX, I checked my banking activity online and noticed several transactions that I did not recognize. I phoned the SunTrust to report this but live phone representative hours were closed. Afraid that someone may have accessed to my debit card details, I went to the nearest Sunburst and pulled out the largest amount ( {$340.00} ) I could. I tried again the next day ( Sunday ) and found that the bank phone hours were closed but followed the prompts and got a live representative to file the transactions fraudulent and to close out the debit card. 
The representative sent me a Affidavit of Fraud to fill out, sign, and return. I did that, signed on XXXX/XXXX/XXXX, and faxed over on XXXX/XXXX/XXXX at XXXX to the fax number provided. 

On XXXX XXXX, XXXX, I received a letter dated XXXX/XXXX/XXXX from SunTrust that they were closing the account. I did not understand why nor were they willing to provide me with a valid explanation. Later, I found that they denied my claim of fraud. I asked them why and representation would not tell me and said I could send in a rebuttal form. I requested that they send all information on the case along with all documentation and reason for their decision and also that they send me a rebuttal form. I have sent the rebuttal form and have not heard back from SunTrust since. 

I have not received any documentation on the reason why or any such documentation pertaining their decision. After going through old documents, I found all the documentation that I submitted and realized nothing was sent to me in regard to their decision. I called SunTrust on XXXX XXXX, XXXX to request an update. Found out they had closed it out. I have filed a police report with XXXX Police Department ( Report Number XXXX ) and XXXX County Sheriff 's Department ( Report Number XXXX ).
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Was on forbearance for 3 years and Navient never indicated that there were other repayment plans available. All they said was to keep applying for forbearance and try to make payment. I accrued a lot interest. Navient was very deceptive.
Consumer complaint received 2016-11-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I have XXXX private student loans with XXXX, now known as Navient. I defaulted on the loans, and they were charged-off. However, I went into an agreed upon repayment plan of {$100.00} per month. Nonetheless, XXXX/Navient reporting that I was not making payments and continuously made debt collections calls. Last year, on XX/XX/2015, I accepted Navient 's settlement offer of {$10000.00}. My private loan balance at the time was {$25000.00}. I paid {$5000.00} on XX/XX/2015, and the remaining {$5000.00} was to be in monthly payments of {$410.00} to automatically debited from my checking account. I have completed all payments, and now they are saying I did n't have a settlement offer in their records, and the loans are defaulted and charged-off. The balance is now over {$16000.00}. 
Resolution : To mark XXXX private loans as settled in full ; clear their online account summary as settled in full with XXXX balance.
Consumer complaint received 2016-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

Navient continues to report a parent plus loan on my credit report, sends me repeated emails, which I 've asked them to stop and asked the credit bureaus to correct. They have acknowledged my bankruptcy filing on XXXX/XXXX/2013 and discharge order dated XXXX XXXX, 2013. Because they are continuing to report a balance and have ignored the courts discharge order, I still have a very low credit score and can not obtain new credit over three years after the discharge. The loan is was never categorized as a student loan nor is this particular loan subject to bankruptcy protection.