davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
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. (NY)

My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX  XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
Consumer complaint received 2017-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

After submitting complaint #  XXXX  against Paypal, that company did NOT address what I complained. I expressed my big dissatisfaction with the response provided by  XXXX   XXXX   XXXX , who also mailed a letter to me with the same text. .CFPB should allow a follow-up instead of closing the complaint as in this case CFPB is not protecting me as a customer of a US company like  Paypal , w hich has thousands of complaints worldwide.   The restrictions to login continue in m y Paypal account and I can not withddraw the balance of   XXXX   XXXX  , for which I feel deeply frustr ated.    XXXX   XXXX   XXXX   XXXX  stated tha t US headquarters  can not assist me, and that is a shameful and evasive " wash my hands '' answer . Paypal emailed me a message in   XXXX   languague stating that they sent me a message inside my Paypal account, however as I have restrictions to login I am unable to read that interna l message!     Here is my feedback posted to CFPB after receiving  Paypals answer : Paypal did NOT solve at all the login problems originating this complaint. Paypal did NOT send me a detailed email response, which I was looking forward to receiving. The only thing Paypal did is to tell me that I have a message inside my account ... which I can not access : - ) so I am unable to read what they say ... I emphasize that I want to be able to login to my Paypal account so Paypal MUST eliminate the login restrictions. I   want to be able to withdraw the   XXXX   XXXX     balance in my account or at least  Paypal should do it but in any case I WANT MY FUNDS! Paypal has thousands of complaints worldwide and the authorities make nothing against their constant abuse! I see that thousands of accountholders have their accounts restricted by Paypal!!     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Paypal treat customers as stupid people  !! I can not bear this situation anymore!! In conclussion, Paypal did NOT address my com plaint!
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Went into XXXX for vehicle service on XX/XX/XXXX. was barraged by salespeople trying to cram a new vehicle down my throat. Specifically told them DO NOT RUN MY CREDIT REPORT. I was assured this would not happen. But it did. I found this out on XX/XX/XXXX, and contacted XXXX sales manager. He told me it was not run and the last credit pull they did was XX/XX/XXXX. I SENT HIM PROOF THAT IT WAS ON THE REPORT, and he never one time contacted me. He passed it off to XXXX, a sweet gal we bought the 1st vehicle from in XX/XX/XXXX, and she too shows no proof that the report was run. BUT IT IS ON THE CREDIT REPORTS!!! I had to resend her the same PROOF I sent to XXXX. I have heard from no one, and i am under the impression this is illegal and they could be fined. i WANT THIS fixed immediately, IT IS LOWERING MY CREDIT SCORE.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (CA)

I was the primary person on a loan with CitiMortgage. I moved away from the property in 2008, gave the property to the co-borrower. Co-borrow submitted loan modification paperwork back to CitiMortgage WITHOUT my signature and CitiMortgage locked me into a new 40 year loan and will not take my name off this loan. They claim it 's legal. My name is off the Quick Claim deed of the property.
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Sometime around XX/XX/XXXX, I submitted an application for an Income Driven Repayment plan. On XX/XX/XXXX, I received email correspondence from Navient stating that my monthly payment was reduced to {$36.00}. On XX/XX/XXXX, I logged in to the Navient website to make this new lower payment but the website said that I owed {$310.00}. I called the customer service number and spoke with a representative. She looked at the letter I was sent and she let me know that the {$36.00} was only for 2 of my loans and that my monthly payment is truly over {$300.00} and that I should be receiving another letter about the repayment amount for my other loans. It has been nearly a month and Navient has not and probably would not have sent any other correspondence had I not called in to find out what is going. The representative I spoke with is sending it to me. Their repayment letters are extremely misleading and this needs to be corrected immediately. I have no problem paying my loans back, but I need true information when it comes to making my budget. Now i have to spend nearly {$300.00} more than what I budgeted for so that I do n't have a late payment on my account.
Consumer complaint received 2016-10-17
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)

The reasoning for my dispute is I feel like it 's not fair Navient Dept. Of Education Loans to add my late payment history to my report after my bankruptcy discharge..my late payment history occurred before bankruptcy my on time payments history is occurring after bankruptcy so that 's the only thing that needs to be showing up on my credit report.. my late payment history has impact on my credit an it needs to be taking off asap.. '' that 's just like punishing someone today for something they did four months ago it 's not right ''.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Ditech Mortgage My taxes are combined with my mortgage. 
Ditech Mortgage company is reporting a " lesser '' amount on my XXXX than what the assessor 's office has on file that was actually paid. I can not get anyone at Ditech to make the correct to my XXXX form so I can file my taxes. I 've made several calls and continue to be told there 's nothing that can be done. 
I also see several several Quick Claim deeds via XXXX County Assessors Portel. No one at Ditech will explain these either.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

XXXX  does not investigate discrepencies in my report.   the errors that I have requested be investgated fail to looked at.     additionally there is  XXXX -  XXXX   point difference in  FICO  score compared to   XXXX   and Experian.   when I call the  XXXX  number they hang up on me.   additionally they have advised me that I must pay to get an updated  fico  score and report update.     Experian continues not give me one update they dropped my fico score  XXXX  point for no reason!
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Back in  XXXX  of    2017  I complained that Ditech stole money from me and tried to pass it off as an HOA fee. Case number :  XXXX . The money was only returned when they were forced to respond to my complaint. So thank you for that.     Since then I have received no responses to any questions I have asked them. They bumped my escrow by {$90.00} per month. I still have not been late with any payment however they are trying to justify this boost based on  2017  taxes. I have qualified for t he Homestead Exemption  in  XXXX   XXXX  GA for  2017  so my taxes should go down. I actually received an estimate fr om the county  in  XXXX  and it went down a lot. They wont respond to any of the questions regarding the surplus money. I get a generic email and letter that says we are coming up with a solution.     I refuse to call them becau se Ditech call center staff have set responses. The first response is to blame the homeowner for any and all problems. I  'm tired of the games and the backlash
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (SC)

I disputed BARCLAYS BANK DELAWARE as a Fraudulently account. 
I sent them a Police Report & Identity Theft Victim Complaint and Affidavit to let them know that I 'm a victim of ID Theft. I notify all three credit report agency about this account.They have been remove from XXXX of the credit report agency. But on XXXX it 's still showing. So I call the XXXX Fraud Department about this account and they told me that BARCLAYS BANK DELAWARE said my name & SS is still the same. And I told BARCLAYS BANK DELAWARE that I am a victim of ID Theft. I disputed this account XXXX/XXXX/2016 with XXXX Account # XXXX they are the one I contact first about this account.And I contact BARCLAYS BANK DELAWARE on XXXX/XXXX/2016 and XXXX.I talk to XXXX about this account he stated that he need to talk to the officer about this account. This suppose to took place two week ago. I talk to him again on XXXX/XXXX/2016 he said the same thing that he said two week ago. And he were being disrespect to me.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (CA)

On  XXXX   XXXX ,  2017 this company received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,
Consumer complaint received 2017-02-09
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (AZ)

My PayPal account was permanently limited without warning by PayPal in XX/XX/2016. When I called customer service department, I was told " PayPal my cash '' I purchased from XXXX and loaded to my PayPal account is supposed to be used to " buy '' stuff not to transfer to my bank. If I ca n't transfer my money to my bank, why do they make " transfer to my bank '' available?! It is " my '' cash I paid for it, PayPal has no grounds to tell me what I can do with " my '' money, and they have no right to hold my money for 180 days. 
Also, I got an email from paypal saying it was a mistake, but when I called back, they denied they sent the email and refused to resolve the issue and wo n't let me file an appeal. Please see attached email.
Consumer complaint received 2017-02-27
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

The XXXX sold my account. In court filings with the XXXX County Superior Court, the listing for the Debt is XXXX The Debt Collection Agency failed to list themselves as the Plaintiff in the Service Notification. The Agency that if behind the lawsuit has a contact with XXXX. Please investigate this issue for me because they are set to garnish my wages after the Judge signs the Default. The Warrant said XXXX but the court document does not list any XXXX, it list XXXX. The XXXX County Sheriff Delivered the Warrant to me. Also, I am facing a decision by a judge without seeing that Jefferson Capital Systems , LLC formally served me with a warrant.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (OH)

After being solicited by XXXX of their bankers, I applied for a mortgage refinance loan to refinance an existing mortgage I had at their bank. The refinance loan was approved, but after the rate came back higher than I wanted, we added my wife 's information in the hopes of getting a better rate. After being told we would get called back with the results, we waited two days receiving no calls before physically going back into the branch. Once there, we were told they were working on a rate exception ( despite them telling us it was a sure thing at the time my wife 's information was added ), and would call us back on Monday. They did not call back on Monday, and on Tuesday I called to get the status and asked to have our application handled by a different branch location. We are currently waiting to hear back from the district manager concerning this request. No one at the bank seems willing to help us despite being a long-time existing customer and after having been actively solicited by their banker for this product.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

I filed a previous complaint with CFPB against Discover, complaint # XXXX. 
Discover only addressed part of the complaint on XXXX/XXXX/XXXX and completely ignored the financial compensation request as a result of their admitted negligence, for allowing an invalid fraudulent balance to remain on my account and charge off for years, since XXXX XXXX, XXXX. 
I requested financial compensation totaling {$26000.00} : I lost {$2500.00} as a result of a reduced credit score and loss of lease agreement with XXXX. This forced to use my old vehicle XXXX XXXX XXXX XXXX XXXX as a trade in for a lease on new vehicle instead of selling it privately for {$2500.00} more than the dealer gave me. The reduced credit score caused the dealer to have to re work a deal and i lost the private sale. 
In addition, shortly prior to that, i refinanced my home and this charge off caused my new loan to be increased by at leased {$50.00} a month for 40 years = {$24000.00}
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (FL)

This is about the lack of response from Discover card about my complaint number XXXX. On XXXX/XXXX/16, XXXX XXXX XXXX of the executive department of Discover card left a message on my answering machine at XXXX He asked me to call him at XXXX as soon as possible, and gave me his office hours. I called at XXXX XXXX, and discovered XXXX XXXX was unavailable, and that the Voicemail that he shares with XXXX XXXX was full. I called XXXX more times Wednesday before XX/XX/XXXX., and XXXX this morning. I can not contact him. All I want is the promised free XXXX score.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report
Consumer complaint received 2016-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (DC)

In XXXX 2014, I consolidated all my federal student loans, which at the time were being serviced by Navient ( f/k/a XXXX XXXX ), under the Department of Education 's consolidation program. The loans serviced by Navient were paid in full and I began making my payments to my new servicer, XXXX. Recently, I was contacted by Navient and told that I owe them money from interest that had accrued on the loans that have been paid off since XXXX 2014. I should not owe them any money, because the loans were already paid in full.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (MD)

As Personal Representative XXXX appointed XXXX XXXX 2015 XXXX for my father 's estate, I have been paying his bills ( since this date ). 

Bills from North Shore Agency XXXX NSA XXXX have been forwarded to my home address ( XXXX XXXX from my father 's address XXXX. 

I can understand the first couple bills I paid to NSA, which were XXXX dated less than one week after my father passed away as being legitimate, but not brand new bills eight ( and more ) weeks later. 

I received a bill dated XXXX XXXX XXXX for " XXXX XXXX XXXX '' for {$46.00} ; this bill stated " THIS IS NOT A " FINAL NOTICE. '' '' I received this on/about XXXX XXXX XXXX and promptly tried calling XXXX XXXX XXXX XXXX ) and left messages with NO call back. 

I then wrote and mailed a letter XXXX XXXX XXXX to NSA XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX ]. I stated that this was the FIRST bill in this amount, essentially TWO MONTHS after my father passed away, questioning the veracity of this bill, that I could neither " verify nor validate that my father ever even received this publication. '' I stated in this letter whose voice mail I left a message for XXXX XXXX XXXX, XXXX?? ), at ( ( XXXX XXXX XXXX ). 

Furthermore, I requested that my father 's account be closed. Permanently. 

Then, yesterday ( XXXX XXXX XXXX XXXX, I received yet another bill from NSA, also for " XXXX XXXX XXXX, '' but for a different amount altogether. This bill was dated XXXX XXXX XXXX in the amount of {$44.00}. This bill now said " DEMAND FOR PAYMENT. '' Yet, apparently a different product, given a different ( and smaller XXXX dollar amount. 

XXXX bills are attached to this complaint. I have never dealt with a company who bills months after the fact, and from a collection agency this seems very suspect to be receiving bills so long after my father passed away. And to not be able to 1 XXXX talk to someone from this North Shore Agency, nor 2 ) get the specific company this bill is originally from to stop these billings AND future mailings XXXX if this product is forwarded, nothing has been received by me ].
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

We applied for a residential mortgage on XX/XX/2017 directly with Quicken loans We locked the rate in at 4.375. My co applicant was the main point of contact and over the course of 90 days, she expressed frustration on the lack of response, confusion over fees which changed constantly I took over as the main contact in XX/XX/XXXX, identified what I perceived as the fees disclosed from the various disclosures and an assurance that we would close by the next rate lock of XX/XX/2017. I was told that everything was in place and no problem going forward. The process moved from person to person with a complete lack of timeline. The XX/XX/XXXX rate lock passed despite earlier assurances to the contrary. XXXX was told that there would be no problem with the rate lock being extended at no cost. We received a disclosure dated XX/XX/XXXX which was agreeable. 
The process continued to drag and when the final numbers were put to us, the closing costs were XXXX compared to the XX/XX/XXXX disclosure of {$3500.00} in closing costs after a constant flipping between the discount rate and the credits back to us. This is a difference of {$700.00}. The responses back from Quicken/XXXX XXXX were unbelievable " I would be upset if I was in your place ''. " There is nothing that you did wrong ''. " This is as good as it gets ". At my insistence on speaking to his supervisor, I was told " You can but it wo n't do you any good '' XXXX supervisor XXXX XXXX gave me the same message " There are no more credits to give '' Since the rate lock was coming up again and the appraisal was due to expire, we reluctantly proceeded to closing and signed the papers as is. 

When I reviewed the documents, Quicken had put both of us on the Deed of Trust despite our agreement that I would only be on the loan and not the property. When I questioned this with a Quicken " title expert '' XXXX XXXX, I was told that the deed only affected the loan and not the property. Wrong! 

Now I am having to employ an attorney to prepare a quit claim deed and have it recorded and pay a transfer tax ( as well as legal fees ) in order to remove my name from the property. I am damaged in that by paying {$700.00} more in fees, there was less cash disbursed to me and now my co applicant has to pay me that cash out of her pocket. Overall I feel that we were deceived and having to pay additional fees. I have no doubt that Quicken wanted this loan to go away because the rate was under market and at no time did I feel that they were making the process clear and helping us close the loan. I am a banker and know what I am doing so I hate to think what an unsuspecting lay person would be subjected to.
Consumer complaint received 2015-11-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (GA)

there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.