davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES (OH)

I submitted my application to renew my income-driven repayment plan before the deadline in XXXX. When asked to submit income verification, I mailed both mine and my husband 's paystubs. I was later notified that my paystub was insufficient and needed to send in a self-certified statement of self-employment income, stating either my monthly or annual expected income. At this time, I asked if my husband 's income verification was sufficient, and was informed that it was. I gladly obliged the request, with a statement of monthly expected gross income. I was then notified that that was n't good enough, and I needed to submit a statement of expected annual income. Again, I obliged, copying the requested verbage word-for-word. It was at this point I was informed that I needed to verify my husband 's income. Since I had already done so, had ascertained that his information was received and was sufficient, and had waited XXXX4 weeks between each request, I refused to participate any longer in the unnecessary back-and-forth. I called to ensure all necessary paperwork had been received, which it had, and submitted proof of acceptance of all necessary paperwork. It is now XXXX and I am still receiving requests for my husband 's income verification. I 've now made 4 monthly payments that I can not afford, and I can not afford to wait any longer for them to process my application.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (KY)

- I opened a Citi Gold Checking account with Citibank online on XX/XX/2022. 
- I deposited {$55000.00} via Citi plaid integration via an ACH from my XXXX Savings account on XX/XX/2022. 
- I deposited {$25000.00} via the Citi plaid integration via an ACH from my XXXX Checking account on XX/XX/2022. 
- On XX/XX/2022 my access was cut from the online Citi Gold portal. 
- On XX/XX/2022 I received a letter dated XX/XX/2022 that " We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending - xxxx and your other Citibank accounts .... and will be closed within XXXX days from the date of this letter... If there are funds the belong to you at the time of closure, Citibank will issue you an official check for that balance to the address on file. '' - As of XX/XX/XXXX, XXXX there was a balance of {$64000.00} in the account. 

Attempts to contact Citibank : - XX/XX/XXXX I contacted to inquire about my lack of access. I was read a script that my account was closed and that I would be sent a letter. 
- XX/XX/XXXX I contacted to inquire about the closure process, I was passed around, and hung up on. 
- Approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX I attempted to make contact. 
- I was able to finally make contact with the CitiGold advisor that I had been assigned, XXXX XXXX XXXX from the XXXX XXXX office. He informed me that yes my account had been closed and that a check would be cut and my funds would be returned to me within the next 30 days ( est. end XXXX ). 
- On XX/XX/XXXX ( 60 days following the date of the letter ) I had not recieved funds and contacted Citibank. I was able to speak with another CitiGold advisor in the XXXX XXXX office, XXXX, who was able to look into the matter. 
- On XX/XX/XXXX I spoke with XXXX again - he indicated he had been attempting to get information regarding the status of the funds and confirmed that Citibank did have {$64000.00} of my funds custodied but that there was no resolution for reimbursement noted on the account- he had stated he assumed that meant they would be refunded via the original funding mechanism. 
- On XX/XX/XXXX, I spoke with XXXX again and he said he did not have an update and that he was working to get an update.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Roquemore Holdings LLC (FL)

My truck payments is 37 days late and the buy here pay here dealership will not entertain making payment arrangements and are aggressively pursuing repossession with a hired collection agency : Rockmore & Rockmore ( spelling? ) out of Texas. Rockmore has now called my place of employment and my mother 's cell phone, without even reaching out to me first to discuss. I have made arrangements with the dealership but they are not communicating this, or any other interactions we have had, to the collection agency.
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ATG Credit, LLC (IL)

I already submitted a complaint against ATG on XXXX XXXX, # XXXX. ATG collection received debt that I owe. I contacted a credit consolidation service ( XXXX XXXX XXXX ) to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter. Again, they called my work phone # on XXXX XXXX, 2015 at XXXX. This harassment has to stop.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC. (NY)

You already know that I was in jail from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and your institution has my discharge papers from jail. Att reported a debt of {$850.00} to AFNI collection agency after I talked to them on the month of XXXX about what happened to me, I told them that I 'm gon na start making payments beginning XXXX XXXX they said it was ok but when I checked my XXXX report today XXXX/XXXX/XXXX I saw that they reported to the collection agency, i told them that I need time that I 'm looking for a job and I 'm even receiving mental treatment because of the situation I lived and the problem was with my baby 's mother. I contact ATT several times but they keep saying that I need to pay this immediately that they do n't have to follow the note of my explanation to them back on XXXX of this year and they transfer me to the collection agency. My Att phone number was XXXX I do n't have the account number right now but I think with the phone number you can get into my account and my social security # is XXXX. Please contact AFNI collection agency and explain them the situation and tell them to remove this from my credit report as the credit law command and also contact att regardless of this situation. Thank you
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (PA)

XXXX bill was NO longer in my name, when it went to collections. I took my name off the account 4 weeks after account/line was opened. Myself and the primary account holder completed a change of liability at the XXXX store.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WV)

On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX XXXX XXXX XXXX/XXXX/XXXX ; EQUIFAX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I sent my mortgage company a certified check for {$11000.00} on XXXX/XXXX/XXXX. I talked to my account rep on XXXX/XXXX/XXXX and told her I would be mailing my total due within a week. I did do as I said. I have been calling my mortgage company to see if received and left several messages and finally today was able to talk to someone. They said the check was probably sent back to me because additional monies are owed. They said foreclosure paperwork is in the process. I have never received any paperwork in the mail for a foreclosure. Now they told me that a letter dated XXXX & XXXX/XXXX/XXXX has been processed which I have n't received yet. It looks as though my call on XXXX/XXXX/XXXX might have prompted them to start proceedings. I do n't know what to do at this point. I have been out of work with no income coming in. I filed for social security XXXX/XXXX/XXXX and it took social security this long but sent me a back payments. This is why I was so much in default. My account rep told me to send the money because it did n't look like foreclosure paperwork had been started.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE (TX)

They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (IL)

I recently found out that I had a negative mark on my credit. I have excellent credit. When I found out that Syncrony Bank/Sams Club had a collection on my credit I did n't know why because I have a business account and it is fine. I found out that they had opened an account for me with a small charge for a purchase I made, I thought, on my business account. I never got a bill or notice or even a card in the mail from opening an account. I went to Sams Club and they told me that an account was opened and they had the wrong address. They had part of my business address & part my home. But I do not ever recall even opening this account. They have advised me that it is fixed but it is not still. I need this resolved as this is erroneous and completely inaccurate.
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MI)

I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from XXXX. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.
Consumer complaint received 2017-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

Navient holds my student loans and we 've recently set up a income based repayment plan with them. However, their website is an absolute mess. I am billed over {$600.00} every month, but they insist that I just pay the agreed-upon repayment plan amount of {$300.00}. 
Our payment for XX/XX/2016 was recorded for {$300.00} but we 're seeing a lot of red and " Past Due '' notices all over the main page of my account. 
Not only is this happening, but every month when we go to make a payment, I have to decipher their bill payment form because they have 4 different Stafford Loan lines and 2 consolidated loan lines and they do n't know what to tell us when we ask how much we need to pay for each one to add up to the {$300.00}. And simply changing the total payment field does n't work. We 're trying to stay on top of this but nobody at Navient is hearing us. Please advise us. Thank you.
Consumer complaint received 2015-04-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

Essentially when I left school at the XXXX, I was left with the burden of very large student loans. Half of these loans are serviced by XXXX XXXX ( now Navient ). When I first applied for these loans they made these loans seem like cake and rainbows and that nothing was better. They offered me what they call XXXX, which are anything but 'smart '. They have been unwilling to work with me to come to a reasonable payment option for these loans, and as such I can not possibly make the payments required currently for these loans which puts me and my cosigner at great risk. When talking on the phone with them they seem to everyone just has money growing from a tree in their front yards. I have attempted now to find a solution to lowering my payments in any fashion as I have exhausted all of the forbearance limits they have in place. They have not been willing to work with me and I now risk defaulting on these loans.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I am with Navient. They kept putting me in forbearance, when I finally got an income based plan, they would n't let me renew and would come back with all these fees. When I tried to make extra payments to pay down the balance, they took the money as fees. When I fell behind they told me that they would waive the fees if I sent in {$500.00}. They put it in writing. I sent in the money, they took it and kept it. Told me what they would n't waive the fees and ignored the letter they sent. I uploaded the letter to their website, then called, they said they did n't get it. I told her I was looking at it on their website, on the tab market, loan documents, she told me that they do n't have it. I mailed it in, finally they told me they wo n't waive the fees they just told me that to get the cash, which they put towards FEES not my balance. 
No matter how much I send them, it never reduces the loans a dime, there is always some fee out there that takes it. 
Just non stop lies. I pay and pay and the balance keeps rising. When I call they say I am current, when I look on line it says I am behind. When I call back, they tell me to ignore it, its just fees. I can never get a straight answer over how much I owe or what my payment really is. It has been a never ending nightmare. I feel like I am going to die owing these loans.
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (OH)

My son has a student loan with navient he requested a forbearance which was granted. However we continue to received threatening letters. My husband and I have suffered serious setbacks since I sign for this loan. We lost our home, my husband lost his job and I have had a XXXX but yet they continue to harass us. We are lucky to meet our bills and XXXX bills let alone having to worry about our low wages being garnished. Phone calls are constant to my husbands phone and he is not even on the loan. They also continue to threaten him and are reporting XXXX us to the credit bureaus which made it difficult for him getting a new job beside his age. Everytime I get XXXX of these letters my XXXX XXXX goes up. I 'm not sure what is allowed and not allowed but this harassment seems excessive. It technical in XXXX Ohio is the name of the school. Navient is the loan co. What are my options? How do I make them stop?
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Mortgagor has asked for and received excessive amount for escrow of property taxes. The current escrow balance is over {$36000.00}. The property taxes for the year would be around {$10000.00}. We have called several times and asked for refunds. The current required monthly escrow being demanded for taxes is over {$2000.00} a month, which needs to be adjusted.
Consumer complaint received 2021-01-18
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: DISCOVER BANK (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, DISCOVER HOME LOANS add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2016-05-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ditech Financial LLC (OH)

I had a loan with DiTech Financial that went into collections in 2015. They have sent this loan to a collection agency that now reports this account as a collection account on my credit report as a separate listing. According to the Fair Credit Reporting Act, XXXX different companies can not report the same debt on one 's credit report simultaneously. That is double jeopardy. Since DiTech Financial has transferred this debt to a new entity that is now reporting it on my credit report, DiTech financial should either delete their listing, or update their listing to show the account has been transferred. Currently, DiTech is reporting that my loan with them is actively past due, while the company they transferred it to is reporting it as a collection account.
Consumer complaint received 2016-04-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MS)

I have a house loan with Greentree now called Ditech but still have ongoing issues. 
If I send more money than my payment and ask it be applied to my principal they just place in other account and it does n't decrease my payment. I have to call each month and ask them to place the funds against my principal. 
I had XXXX loan had so many issues I paid XXXX off. I dont want to pay off this XXXX loan with low interest. But it appears they want to force me to. 
Greentree/ditech should not be alowed to seervice loans. They are costing me money. 
Now XX/XX/XXXX they call me saying I 've not paid my house pauyment but I knew I paid it on XXXX XXXX. When I call back to talk to comeone they claim my account is closed. I try to make the lady understand I had XXXX loans XXXX is closed and the other I pay to. I gave up. 
Then the account manager a rude XXXX lady calls me today XXXX XXXX, 2016 yelling at me that Ive not paid my payment. My balance is XXXX on this loan and the house is worth XXXX.+ She claims to be my account Manager but refuses to allow me a moment to look up my payments on my computer. After she hangs up I look it up and call my bank. I paid {$720.00} on XXXX XXXX, 2016 as always by bill pay no changes made in account information where payments were applied in the past 2 or more years other than diatech added to the name. 
The bank showed that on XXXX XXXX, 2016 that Ditech returned the electronic payment. 
The they call me chewing my XXXX when they refused my payment??? 
This company had issues before changing their name. A name change doesnt change there ability to manage loans. 
This need to be addressed immediately. 
Thank you XXXX XXXX
Consumer complaint received 2016-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC. (UT)

I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XXXX, XXXX. The case closed in XXXX of XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XXXX XXXX, XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XXXX XXXX, XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XXXX XXXX, XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.