davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stellar Recovery, Inc. (NC)

While checking my credit score I found an open account for collections from Stellar Recovery which has never notified me or communicated anything ever to me about anything. If I had not checked my credit score I never would have even found out about this negative factor impacting me. I do not know what this is for or who it is from. This type of conduct must be illegal. I searched for information on the company and any type of financial communication with them requires and account number, which of course, I do n't have because I 've never even heard of Stellar Recovery until now. I submitted a complaint and communicated my concern about this collections account being opened against me with no communication to me at all, ever. Along with the complaint, I submitted my contact information. I have never heard back from them, it has been over a week.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

To whom this may concern, I opened a Citibank Account Package with Regular Checking account online on XXXX/XXXX/XXXX with the promo code CZPE with a promotional bonus offer of {$400.00}. After spending weeks unsuccessfully trying to access my existing Citibank online account due to Citibank online account conflict issue with their credit card account system, I was finally able to submit an opening deposit of {$15000.00} on Thursday, XXXX/XXXX/XXXX. However, their system did not process the deposit and showed a deposit date of XXXX/XXXX/XXXX. I immediately called Citibank about the delay and was assured that the XXXX/XXXX/XXXX deposit date will NOT affect my eligibility claim as they do not process deposits over the weekend. I was told that since XXXX/XXXX/XXXX was on Saturday, the cut off date is the next business day which is Monday, XXXX/XXXX/XXXX. 90 days later, I 've contacted Citibank again and was told that the bonus should actually arrive on XXXX/XXXX/XXXX which is 120 days after the initial deposit ( 30 days of meeting deposit minimum and 90 days to be credited ). Now it 's been more than 120 days and I 've contacted them again, and was told that I 'm not eligible for the promotion although false information was given to me the previous times that I 've contacted them. I am very concern that a major bank will outright tell lies to consumers by providing incorrect statements. This is not acceptable for a major bank institution. I have kept records of online chat sessions with Citibank and taken notes of all calls and phone inquires. I have not been able to get anywhere with my direct interactions with Citibank due to misinformation being provided me and lack of escalation options. I need your assistance in supporting my claim on this matter and bring this to the attention of the public, so others wo n't get misled by this institution and their deceptive practices. Thank you.
Consumer complaint received 2015-10-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (OR)

I took out Sallie Mae loans each of the three years that I attended XXXX XXXX University XXXX ( near XXXX XXXX. Shortly before graduating I developed XXXX that would later be XXXX. At first this meant daily XXXX and an occasional XXXX ( less than once a week ). I sought XXXX attention and at the time was told that the condition was mild and temporary and that it could be easily remedied XXXX. Over the next several months, as I graduated and started looking for jobs things got increasingly worse. I started XXXX more frequently XXXX multiple times a week ), experienced XXXX and some days struggled XXXX. I continued to see a XXXX and was told that we just had to find the best XXXX for controlling my XXXX XXXX and I would be fine. Six months after I graduated I was XXXX almost every day and was told by the XXXX that I could no longer safely drive. As a result I had to move back in with my parents XXXX and was no longer able to look for jobs. I put my loans in forbearance and hoped that by the time the forbearance time ran out ( i had to pay {$150.00} every three months and only one year of forbearance is allowed ) I would be better and able to work. Unfortunately my XXXX has only gotten worse, much worse. I currently XXXX anywhere from 1-3 times each day. Each time I have no warning and as a result I am frequently XXXX. I have XXXX more than 10 times in the last year, and currently have XXXX ( for the third time ) after XXXX and XXXX. I am now in XXXX so that I do not get XXXX and am unable to do much of anything for myself. I now experience frequent XXXX ( I have to sit down and take a break after bathing or even just getting dressed ). I have seen several XXXX and have even been to the XXXX XXXX to see XXXX several times. They have tried ever XXXX that has been known to work and even some experimental XXXX. My XXXX XXXX is still high, XXXX, and my XXXX have gotten worse, not better. I applied for XXXX through Sallie Mae as I am unable to work and most likely will not be able to for a long time, if ever. The XXXX put that if I show any improvement it will be at least 2-3 years before that happens. Sallie Mae denied me XXXX because they claim it is not permanent. However, their definition of a qualifying XXXX is something that will last indefinitely ( can be seen on the first page of the XXXX claims form ). There is not a definite timeline XXXX and as such they should not be able to deny me. They will not lower the monthly payments or work with my family in any way to help us in this time. When i spoke to a customer service representative they informed me that because I was out of forbearance time I had no other options that to just make the payments. At this point I have no idea where to go or what to do.
Consumer complaint received 2016-08-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I am a cosigner for a private student loan being services by Navient. The primary borrower has made arrangements for an income based repayment plan, however Navient claims that this agreement does n't cover all of his loans, including the loan I cosigned for. I called Navient today, XXXX/XXXX/2016, and spoke with a XXXX XXXX. I explained to her that 1 ) The repayment plan they worked out with the primary borrower should cover all of his loans. I got an answer that not all the loans qualified. More importantly though I explained to XXXX XXXX that I was laid off my job a week and a half ago and currently being unemployed I would need a deferment or forbearance until I am employed again. She told me that all deferments and forbearances have used up and stated that I needed to start making payments. I explained to her that being unemployed means that I have no income. This simple fact made no difference to her and she repeated herself that I needed to immediately needed to start making payments. I then pointed out as to how I could send money to Navient that I do not have.
Consumer complaint received 2016-10-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Navient began calling me several months ago, saying that I had a payment due. I knew this was not the case as I did not graduate until XX/XX/2016 ( XXXX until that point ). I was told they were contacting me on behalf of XXXX XXXX as my account was in collections. So, I contacted XXXX XXXX directly. I made sure they had my enrollement verification on file and that all was well. However, Navient kept calling SEVERAL times a day - both me and my mother. On average, they call my cell phone 7 times per day, my mothers cell phone 7 times a day, and her office 5 times per day. Sometimes a few more times, never any less. I started ignoring the phone calls as I was told by XXXX XXXX that I did not owe them any money. Navient began leaving voicemails for both myself and my mother each time they called. The voicemails always last at least 30 seconds, but there is never anyone talking, all you can hear is background noise ( people talking at a distance ). Oftentimes when they called, the phone would ring for about 5 seconds and they would just hang up. At this point, I began to suspect that it was not actually Navient trying to contact me, but someone attempting to steal my identity. What credible company does things like that?? At one point, I answer their call, and they tell me they are calling on behalf of my federal student loans and that I was delinquent and needed to make a payment. I knew this was not the case, so I hung up immediately. Today, I decided I had finally had enough. I called Navient and spoke with someone, demanding they explain why they had not stopped calling me. It turns out that Navient purchased one of my loans FROM XXXX XXXX, THEY WERE NOT CALLING ON BEHALF OF XXXX XXXX AS THEY HAD TOLD ME IN THE FIRST PLACE. After being transfered to speak with a supervisor, I told him I had no idea what had been going on as I had been misinformed by several of Navient 's employees in the past. I told him I would upload my enrollment verification form immediately so that I could use up the rest of my grace period. The supervisor then told me that it was too late and I was no longer entilted to the grace period and I had to make a payment at that exact moment or else my delinquincy would begin to show on my credit and my mothers credit ( she is the cosigner ). I insisted that I knew I had a legal right to 6 months grace period, starting at the moment that I was no longer a XXXX. His tone and words began to change slightly, but told me that I would need to call back in an hour after I had uploaded the verification form to see if they would be able to complete the request in time to avoid credit reporting.
Consumer complaint received 2015-05-25
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (GA)

I had XXXX loans with Citi, a XXXX mortgage with Citi Mortgage and a XXXX ( HELOC ) with Citi Bank ; at the end of XX/XX/XXXX I had lost most of my income and business, my house was deeply underwater, and I applied for a re-structure of both loans, which were both assigned to the same loan counselor at Citi. At that time I was unaware that the HELOC described a farm property which I owned adjacent to my home, and not my home. Ultimately the loans were both re-structured, but the payments were not substantially reduced ; I could not make the payments and had to move -- I offered a deed in lieu of foreclosure, but Citi chose to foreclose the XXXX mortgage. In the process of re-structuring the loans, I had discovered the error in the HELOC description, and had requested a corrective security deed ; that request was referred to Citi 's " research '' department, which never responded. After many attempts to get the error resolved, in XX/XX/XXXX, I filed the attached Affidavit in Aid of Title ; in XX/XX/XXXX, I finally reached Citi 's foreclosure attorney and explained the problem ; he promised to " look into it and get back to me '' ; I followed up with the attached detailed written explanation, plats, the affidavit and copies of the XXXX mortgage instruments -- neither the attorney nor any of Citi 's representatives ever fixed the problem or got back to me. In XX/XX/XXXX Citi sued me on the full amount of the HELOC note ( and not the re-structured amount ) using the same law firm I had originally corresponded with. In my response to the suit and other filings I once again asserted that the lien was on the wrong property, but Citi has never corrected the error, I assume in an effort to gain advantage in their lawsuit. It is fundamental that a Home Equity loan can only be on a home, Citi knows that better than anyone, yet they continue to take advantage of an error that they are legally responsible to correct.
Consumer complaint received 2016-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: HW Holding, Inc (WA)

I moved out of my apartment on XXXX/XXXX/2016. I received a final statement by mail dated XXXX/XXXX/2016 which states that I have 30 days from the date of my move-out to pay my final statement. On XXXX/XXXX/2016 I start receiving automated calls on my cell phone from Hunter Warfield leaving messages that they are a debt collector attempting to collect a debt. Today, XXXX/XXXX/2016, I receive a letter via presorted first-class mail US Postage Paid XXXX bulk mail envelope with what appears to be a postmark of XXXX. This letter says that I am deliquent on my debt to my apartment complex which is not true. Their automated phone calls happen repeatedly, multiple times a day and at all hours, including outside of the XXXX and XXXX boundaries. They are predatory in their debt collection efforts and need to be stopped.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (NC)

Hunter Warfield is reporting to the credit bureaus that I owe them {$2400.00} due to an old apartment lease I had with XXXX XXXX. I have written, faxed, and called them requesting a detailed explanation of the debt, because I do not believe I owe the apartment community anything. Unfortunately, for nearly two months now, Hunter Warfield has not bothered to respond with this information.
Consumer complaint received 2015-05-27
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (AZ)

my debt was paid off in 1976 through a payroll deduction through the XXXX XXXX paymaster. I have been harassed by numerous collection agencies, over the past 40 years. I dont know where they get their information or why this debt collection persists. When I ask them for details of this debt, or to prove to me that I owe the debt, they respond by saying, " prove to us that you do not owe the debt. '' I refer to my XXXX XXXX pay records, and I dont hear from them until they pass the debt to another collection agency. Then is starts all over again
Consumer complaint received 2020-01-19
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. (MA)

Equifax has merged my account with that of my sister 's. I asked for and received a free credit report that had my name on it, but my sister 's date of birth and social security number ( which is similar to mine ), and her student loans were mixed in with the loans that belong to me-I believe this is called a " mixed file ''. 
I called Equifax to have this resolved and was told that they could not verify my identity ( I'm assuming due to the file being mixed up ) and that I would need to send a letter explaining the problem to their Dispute Department. I did as I was told and mailed my complaint including copies of documents that clearly showed the mix-up, as well as documents that confirmed my identity ( SSN card and driver 's license ). I received a letter back letting me know that my identity could not be confirmed. 
I called Equifax again and the exact same thing happened-they couldn't confirm my identity and told me that the only step I could take was to send a letter to their Dispute Department again. 
I've attached the pertinent documents below, including a paper from the original report which shows my name but my sister 's date of birth and SSN.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XX/XX/XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late in XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all Experian did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE Experian TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Experian to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.
Consumer complaint received 2016-05-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (MD)

My attempts to modify my mortgage failed due to not enough income. Due to death of a child and then loss of income & medical issues as well as divorce the household income was no longer the same or enough to qualify for the loan modification. I moved fwd with list & advertising my home for short sale. There have been multiple offers on my home but they have been declined by the bank twice. I have done everything the bank has asked of me. According to my attorney the bank negotiator the bank has indicated it would be " better for them to foreclose than to do a short sale ''. This is NOT fair. I am a now single mother, just getting back from medical leave just doing my best to survive with my remaining XXXX children.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CT)

My mortgage company has not comply to help my with a mortgage modification for almost 3 years already. I have submitted many documents to them with no cooperation. Now they wwant me to vacate the property and I am XXXX. They are sending a real estate agent every week to harrased and tell me that I have to vacate the house as soon as possible. I have no plave to go to and neither the funds to do so. All I wanted was to get a more comfortable payment for my mortgage and I end up almost loosing the property. They have submitted to me documents where they claim that the house has been foreclosed on. There no place on this documents that states that and also no recorded action at the Judicial department and website. Please try to help me in getting to comply with my request and work with me instead of hurting me. I have medical records that can support my XXXX status. Attached you will find the documents where they claimed that the house has been foreclose back in XXXX and I never was notify of this until I reported my complaint. Hope in hearing from you soon. XXXX
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I received a letter from Citi Mortgage , Inc. On XXXX/XXXX/16 informing me that they are transferring the servicing of my loan to XXXX XXXX XXXX XXXX The effective date of transfer is XXXX/XXXX/16. 

Law requires both the old and new servicer to provide no less than 15 days notice before the effective date of transfer. As of today, XXXX/XXXX/16, I have received no notice from XXXX XXXX. Citi only gave me 13 days notice. 

Also, I was approved for a loan modification by Citi effective XXXX/XXXX/16. I have asked for a signed copy of the loan modification and for whatever reason, they will not provide it for me.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (PA)

I was having some problems paying my mortgage due to my husband being in an auto accident & unable to work. My mortgage was through XXXX. They sold my mortgage to BSI Financial. I was about 6 months behind in XXXX XXXX. My husband & I received a settlement from the auto accident. I took care of all of my delinquent payments plus put over {$18000.00} down on the principle. That took me through XXXX XXXX. I made my XXXX XXXX payment. On XXXX XXXX, XXXX my husband & I received several intent to forclose notices saying I was 9 months behind. I called BSI immediately & was told to disregard those notices that there is an error in the computer system but I am in fact correct I 'm current on my payments & only due for the current month. I was told that the problem could n't be changed in the computer from where this representative was located. However I was not given the information on who or where to call to have this problem resolved. The next day I received another intent to forclose letter. I called again & was told not to worry about it but it could still not be removed from their system. This has been sent to the credit burro cause our credit to have a negative mark.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (FL)

We filed an application for a loan modification in XXXX of 2016, but the application was too close to the sale date and was denied. We obtained a cancellation of the sale date because we filed for bankruptcy and immediately sent in a new application for a loan modification. We enlisted the assistance of the MHA who is trying to help us with a loan modification. The non profit organization accelerated the process and referred it to the escalation team, who tells us that they will not receive a response until the XXXX of this month. The bankruptcy was dismissed at the creditor 's meeting but that matter has been corrected and there is an emergency motion to reopen the bankruptcy scheduled for the XXXX of this month. The attorneys are seeking an order rescheduling the sale date, even though in the bankruptcy we also filed a Motion for Mortgage Modification Mediation program. That will be heard in the near future by the Court as well. I also corrected the errors listed by the Trustee. So, they are pushing for a sale date while a motion to set aside the foreclosure judgment is pending ; while we have the MHA office working on an escalated modification ; and we have the bankruptcy motion for mortgage modification mediation motion pending in the Bankruptcy Court. In other words, they are DUAL TRACKING.