davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: URS Holding, LLC (WV)

On XXXX XXXX I was pressured by XXXX XXXX XXXX into consolidating a loan that was owed through XXXX XXXX XXXX. It was report to me I needed to pay 6 thousand and some dollars. I want to know why I was not offered a payment plan? I was given two options Pay debt in one lump sum or reconsolidate or be in Federal Default. Also I would like to know why your debt that you collected does not match up with a federal website? Below is a list of questions along with supporting evidence that you collected more on a debt then what I owed. Also XXXX state I paid XXXX on this debt through email communication so how I still owe XXXX on a XXXX dollar loan I am unsure. Below you find all supporting documentation.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

In XX/XX/2016, I was the victim of credit fraud. Thieves stole my personal information and opened a credit account with XXXX. XXXX cleared the information from my account but the hard inquiry still remains on Experian 's credit report. Also attached is the police report filed with my local XXXX XXXX Police Department.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kelsting Group, Inc. (CA)

I do not know who these people are. I never had any notice of any debt from them. Credit Bureau Associates is in violation of the fair debt collection practice act.     Specific violations  are 15 U.S. Code 1692c - Commu nication in connection with debt collecti on ( a ) Communication w ith the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt coll ector may not  communicate with a consumer in connection with the collection of any debt -- You did not have prior consent directly given to you by me, the consumer or you did not receive express permission of a ny court of competent jurisdiction to communicate with me, the consumer. You have also violated the fair credit reporting act. 15 U.S. Code 1681
Consumer complaint received 2017-08-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNTRUST BANKS, INC. (GA)

XX/XX/XXXX myself and my ex-wife took out a home equity loan at Suntrust Mortgage. This was a part of our purchase transaction on our at the time primary residence. This was a joint loan with myself and her. I was first borrower on the home equity loan. We got divorced in XX/XX/XXXX. Per our divorce decree she would keep the house and make all payments. Earlier this year XX/XX/XXXX, I had applied for credit to find out that the loan had be charged off by Suntrust Mortgage. I contacted Suntrust and they will not help me. I did not receive one phone call or one notice about the loan being late. I would have happily made the payment as it was only {$84.00} per month. I have had the same phone number for 20 years which they have on file and they also had my correct mailing address. It seems like with me being on this loan I should have received some type of notification about payments being late.So now my perfect credit has been ruined at no fault to my own and I can not get any help from Suntrust Mortgage. Any assistance that can be provided would be greatly appreciated as having a charged off mortgage loan on your credit report is a major thing and will effect me ever being able to buy a new home again.
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

Navient will not let you get the forms you need to apply for income based repayment until after your account is past due. Additionally when you call their phone number for help and ask for customer service the automated system keeps hanging up on you if you ask for customer service.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these, und er Section 611 ( 5 ) ( A ) of the FCRA- they  are required to '' ... ..promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the false reason was because of a transaction of me selling a cream containing hydroquinone to someone in the XXXX when I called the rep and told them to review my account again and go over my transaction history because the claims are false and I already know that creams containing Hydroquinone is illegal without a prescription in the XXXX and XXXX . They refused to reason with me and still shut down my account and refused to let my access from funds to pay off my debts and creditors. 

After numerous calls, they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AE)

While I was XXXX, I had my Grandmothers address as my record address for my student loan because I move so much in the military. In XXXX from the military. The problem is, I never received notification of deferment needs/ payment requirements because my Grandmother had passed away and I no longer had her to forward my mail to me and I never received anything from Navient when they received the mail returned to sender. I only noticed the error when my normally stellar credit turned bad. I immediately contacted Navient set up payment terms, had deferments submitted for the problematic period of non-payment and even forwarded a copy of my Grandmothers obituary as a substantiating document to what had happened. I believed all was good however, Navient is reporting the period of non-payment negatively on my credit report when I had was unaware that the requirement existed. In addition to this negative information, they are reporting my loan broken into five separate accounts, compounding the negative information in that it appears I have 5 separate instances of non-payment. I recently tried to dispute the negative information on my credit report but Navient reported back that the information was correct and my credit remains negative even though I have set up automatic payments as soon as I was aware of the requirement.
Consumer complaint received 2017-04-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection (GA)

I have repeatedly contacted this company in an attempt to get this debt verified as it does not belong to me. Perfection Collection is not the original debt holder and refuses to give me any information about who they purchased the debt from. They simply make snarky, rude comments and then hang up the phone. On my credit report it says this debt originates from a XXXX XXXX Credit Card. I have never owned a XXXX XXXX Credit Card and no one at XXXX XXXX can find any information about any account ever being opened in my name. In addition to refusing to give me any information about the origin of the debt, Perfection Collection refuses to investigate its validity as required by law.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

Despite my multiple written requests, the unverified items : XXXX, XXXX, and multiple unauthorized inquiries from XXXX XXXX to XXXX XXXX, still remain on my credit report in violation of Federal law. In their results of re-investigation, Experian stated, in writing " verified '' that these items are being " reported correctly ''? Experian still has not identified who in their company verified the accuracy of these accounts or how they verified them. Experian 's failure to provide me with verifiable proof required for their company to post the accounts listed above is evidence that it does not exist and therefore is proof that they ca n't properly " Verify '' the accuracy of any of the disputed accounts. Under section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " promptly delete all information which can not be verified. The law states that Experian must be willing and able to produce a document in their files that proves the account ( s ) /inquires belong to me/or they was given permissiable purpose to pull my credit report. Someone must authenticate the documents in my files that was used to verify the disputed information, and to do this they must have 1st hand knowledge of the alleged accounts ( s ) and all that has ever transpired for the alleged account ( s ) /inquiries. Experian has failed to do this after several letters and phone calls.
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

I have my student loans through Navient. When I called about options to pay less on my student loans, the only XXXX options they gave me were to either pay them or enroll in school to put them into in-school deferment. I already pay them {$500.00} a month and with some loans coming out of foreberance, my monthly payment was going up to {$800.00} a month, which is impossible with my income and other debt that was accumulated during school like credit cards. I just do n't feel I was given any options to repay. I do n't agree with them telling me to enroll in school again in order to not pay on my current loans and would then acquire more loans and really not be able to pay them. I ca n't stay in school forever.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (FL)

sun trust is violating the frank dodd act and have threatened us with prosecution. We had property listed for sale and specified that the appraiser must meet state credentialing guidelines to stop these false appraisals where they violate the law by using non arms length sales for appraisal comps and by using foreclosures as comps. THis is a specific violation of the law. Our real estate agent objected to a non credentialed appraisal agent per our contract ( we did not name a specific appraiser to be chosen ) and Sun Trust turned around a named a specific appraiser ( violaion of Frank Dodd ) that did not meet contract stipulation of credentials and upon complaint they provided in writing a threat of moving to file a complaint for Our violating Frank Dodd and that we could face prison and fines. What the XXXX is going on here. The banks are manipulating and violating appraisal and Frank Dodd act and when objected to, they threaten the consumer. I want immediate action taken.
Consumer complaint received 2017-04-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

Ditech failed to help me with my loan modification- they called it loss mitigation request. They had me send them all types of information for three months or more, telling me I did not send papers which I know I sent. While going through this, they kept increasing my loan amount. They even stated that I did not pay my escrow account, when I actually had. They over charged me and I had to pay more that month ( By the way, they did the same thing the year prior and I had to wait a month to get my money back. ). 
On XX/XX/2016 I had to pay {$1400.00}, then XX/XX/XXXX, XX/XX/XXXX I had to pay {$2500.00} and that continued until XX/XX/XXXX where it increased again. While this was occurring my loss mitigation claim was being ignored. On XX/XX/XXXX XXXX XXXX states she would escalate because all documents asked for had been turned in. Nothing happened. I contacted them again and XXXX XXXX told me the same thing. Still nothing. Then when I called I received a recording once I put in my claim number. No one called me back, after I left a message. 
I then had to refinance with XXXX because I could not afford the $ XXXX+ that my mortgage went up to. When I inquired why it kept increasing, first I was told my residual escrow account was added on. After proving I had paid it in full, I was told it was taxes. 
Recently, they sent a letter stating I was denied because I did not provide the necessary documentation. This was completely not true. I know of one other person that has gone through this, and she is is a completely different state.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (MA)

i have been applying for income driven repayment for almost five years. the application is either lost or they claim they need additional info from me when i have sent it multiple times throughout differing means ( Postal sevice fax and email ). they are continuing to charge me interest and will not defer the loan when i have financial issues. They al ; lso ask for every piece of information to validate the account when they are not required to. I have spoken with 4 reps today two were supervisors and all refused to help even tho i have provided them with 3 pieces of personal information to authenticate the account. I just want an income driven repayment plan and to have my bill lowered please assist. as i am getting nowehre calling them
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.
Consumer complaint received 2019-02-17
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX. XXXX
Consumer complaint received 2017-04-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

We applied for a mortgage loan with Ever Bank for our new home and they are asking us to pay {$5000.00} as a deposit to lock in the rate without even giving a loan estimate with proper closing costs in writing. We shared our details with the loan officer including our XXXX 's income information and details of the property we are in contract with. We asked to pay {$5000.00} to lock in the rate without giving a proper loan estimate with details of the loan as per TILA laws/disclosure guidance as per XXXX Details of loan officer. 
XXXX XXXX Loan Officer T. XXXX C. XXXX F. XXXX XXXXXXXXXXXX XXXX ID : XXXX
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

RE : Jefferson Capital Systems Acnt # XXXX Jefferson Capital is currently attempting to collect a disputed {$1100.00} debt it says it purchased from XXXX. As part of its attempt to collect this amount from me, it is reporting it to several consumer credit reporting agencies, including XXXX The amount they are attempting to collect on on is inaccurate, as I made a final payment to XXXX prior to the account supposedly going into collections. I had also disputed a portion of the bill with XXXX itself several years ago. I had service with XXXX for less than a month, and discontinued it because there was virtually no coverage in my house and the service was about useless to me. I was supposed to receive a " courtesy credit '' from XXXX due to this. 

I have disputed this debt to Jefferson Capital multiple times ( XXXX/XXXX/17 and XXXX/XXXX/17 ), in writing, to the address showing for them on my credit report, stating that the the information they are reporting is not accurate. Jefferson Capital does not appear to be taking any steps to investigate the disputes and has never even bothered to respond. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for Jefferson Capital to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

Our Parent direct plus loan is under auto pay every month and I try to add every month an additional payment religiously but I noticed that I get charge additional interest on the overpaymt rather than all going to principal. I calle d Navient and  got an answer because my overpymt have some lapsed on days so I get charge interest on it as well and was advised to schedule an additional payment on the same day that my auto pay is scheduled so all my overpaymt will go all towards principal. I checked this morning since my payment always hits at the  XXXX  of each month and there it is again they lump the full payment and charge interest on both auto  pay amt as well  as the overpymt that I scheduled and when I called th e cus  service keeps saying th at bec th ey pulled the overpayment 3 days after the scheduled date which in terms that is why I get chg additional interest so I can not win if I overpay before the sched auto pay date I get chg interest and if I sched just right date I get chg interest as well. I think this is a really bad accounting. My overpayment should just go to principal just like a mortgage why get chg additional interest when the accrued interest is already imbedded in the monthly auto pay amount they advised as the amount that needs to be paid monthly to be current on our loan?
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase is refusing to credit me for {$5600.00} in fraudulent uber charges to my credit card on uber accounts that are n't mine. I 've spent  over 10 hours  on hold and talking with various reps to try to get the charges refunded. I itemized all of the charges and reviewed them with the fraud department, they said they would be refunded by this past monday end of day. They refunded a  few hundred dolla rs of them, but are now ( Thurs ) claiming the charges are under review. I had originally reported a fraud transaction in  XXXX  when a charge looked off.  Chase as ked for proof from  XXXX , they provided a document showing that the charge was on a separate account from someone who was not me, but refused to refund the charge. I had my first child on  XXXX  and did n't have time to look into the matter until doing taxes. I thought it was a couple hundred dollars, but when I reviewed my yearly statement, over {$5600.00} in fraudulent charged had been made. They 're attempting to brush me off hoping that I give up and pay the charge so my credit wo n't be damaged.
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

CLAIMID : XXXX XXXX claims reversed from XXXX for transactions that were not made by me Claims support agents were extremeley unhelpful and unwilling to cooperate and help out a I did not make either of these XXXX transactions I remember that day clearly I started off my day at XXXX and seem to have misplaced my card after that so yet again I was not at XXXX XXXX in the day in question CHASE EXTREMELY UNHELPFUL!!! UNHAPPY WITH THERE SERVICE