davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (AR)

I closed out a certificate of deposit at IberiaBank. They mailed me a check for {$30000.00} and did not send it by certified mail. They sent it by first class mail. The check never arrived. It has been 30 days. They do not want to issue another check for 90 days. I do not believe they will ever issue a new check. Why am I supposed to believe someone who uses the excuse, " The check is in the mail! "?
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IL)

I went to XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX, I ended up dropping out due to the need to work more hours at my job, so that I could afford to live, and pay rent at my apartment.Upon the time I was enrolled, I was told that via scholarships and federal aid, my tuition would be 100 % covered. Within one week, that figure changed, and I was told I needed to take out a federal student loan to cover the overage. I was excited about school, so I went ahead and took out the loan with my mother as the co-signer. I have had a hard time ever since, from paying on my loans, to just trying to get back into school. I have tried to contact the school location I went to, in XXXX, Tx, several times to get my loan documents, any paperwork that I signed, as well as my transcripts to no avail. Now that I have received information that the school has closed down, I 'm looking to file for " Borrower Defense to Repayment ''. If there is anyway you can help me with this issue, please do, as I 'm confused as to what I can do next. I can no longer reach the school via phone or email, and have moved over XXXX miles away to help care for my parents.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

Experian refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stand behind my claim. I was told although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 The bureau must generally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 More over it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishers have in dependent obligations under the FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I rec 'd reports from XXXX & XXXX however when I was transferred toExperian I had XXXX alternatives to get report ( 1 ) join yearly club for {$1.00} to getget a free credit report ( 2 ) monthly for a fee & ( 3 ) free credit report plus credit score for {$19.00} the other agencies were {$9.00} for score. It is very DECEPTIVE. I could not find out how to get our FREE credit report. I havecalled all the numbers given to me which are recordings with no personal help. I also called XXXX to have copy mailed and they said they could not maila credit report at this time. What Experian is pushing is a membership inCredit Tracker for {$21.00} a month or pay {$19.00} for report & score. If there is aarea on that page to apply for the free credit report it is well hidden.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

Payments are extremely high. Have n't been able to pay. I applied for IBR in XX/XX/XXXX. Did n't know I needed to annualy renew. Whenever I spoke to a representative they just suggest I do a forbearance. I didnt find out until XX/XX/XXXX that I was suppose to renew the IBR in XX/XX/XXXX. Now my loan is double the amount of what the orginal loan was for.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Experian Information Solutions Inc. (MD)

I had a loan though XXXX, they sent me damage furniture and XXXX XXXX agreed to settle with me and gave me my money back and cancel the loan. I asked XXXX to remove all derogatory and negative impacts from my credit report and they did. XXXX and XXXX XXXX has removed this from my credit report but Experian refuses to remove that account after submitting several disputes.
Consumer complaint received 2015-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I have written to XXXX XXXX XXXX account XXXX multiple time requesting for validation and have not received any. 

XXXX XXXX have written to Experian multiple times concerning the lack of validation on this account. 
XXXX XXXX have asked Experian to remove the allege account from my credit file for the lack of validation from XXXX XXXX XXXX, and all I get from Experian are that they are performing research and get a repetitive automatic responses, with no validation as alleged that they verified it. This happened every time I wrote to Experian, they repeated the act of doing research which ended up nowhere. I never received any validation from Experian nor the collection agency. 

This is in violation of the FCRA. The Collector failed to validate this allegation, and Experian is not removing this negative remark from my credit file.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MD)

Pursuant to the Fair Credit Reporting Act, Experian is required to report accurate information on an individual 's credit report. Please be advised that I request you remove the following false information from my new credit report ( Credit Report No. : XXXX ) listed on Page XXXX : Telephone numbers ( XXXX ) XXXX XXXX ALSO refer to CFPB Complaint No. : XXXX
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

Hello and THANK YOU for being a viable avenue complaints to financial institutions, I hope you can bring my particular issue to a person that can rectify it. 38 months. 38 months is how long I 've been trying to rebuild my home after a fire. Last month I have been issued an occupancy permit, so I 've moved back in with what little furniture I have left. My issue is with Ditech ( formerly Greentree ) Mortgage and the fact that they are currently holding on to about {$7000.00} in funds waiting for me to complete the home before they release them. {$2100.00} was the last check sent issued XXXX XXXX, and have been assured by my account manager XXXX, that this money will be sent for the XXXX for the portion of the project which he has completed. The only thing required is that the insurance company send something stating what the funds are for. I have no problem with this other than it took XXXX phone calls, several emails and calls left with XXXX direct report before I even got a response, then about 12 days after that, I get a call saying she needed the email from the insurance company. I 'm relaying this because this is a perfect example of what I 've been dealing with for ... ... .38 MONTHS. 
Now, after the {$2100.00} due to be released shortly there are XXXX aspects of the project that Ditech is holding on to ( for 4 months now ). I have sent in check from the insurance company for approximately {$5000.00} to finish the basement and to put on a rear deck to the home. I 'd need them to release this money. I 've made my mortgage payment for 38 MONTHS, put in excess of XXXX of my own money and easily XXXX hours of my own time into this project. This has run at a snails pace most of it due to the fact that I have to complete projects with my money and then submit for a reimbursement. I am working 60 plus hours in my regular job ( XXXX ) then trying to finish the last bit of this home and it ridiculously frustrating when I think about the money just sitting there waiting to be used, yet not released because they do n't trust me to use it for it 's proper intent. The tax assessment office has been by twice to reassess the property, yet can not due to the fact that I 'm going week to week finishing what I can with the funds I can direct to this project. Release the rest of these funds so I can complete this project. 
I 'm not interested in what your " procedure '' calls for. I fully understand the reasons behind it with rampant insurance fraud but this is not me. I 'm not leaving my XXXX home to run off with XXXX ... ..K? Please call or email me with notice on when this can be accomplished. Again, THANK YOU CFPB for this avenue and I 'll enter specifics later in this complaint. 

Regards, XXXX XXXX
Consumer complaint received 2016-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NM)

I am a XXXX. I understand that I may be eligible to have some or all of my student loan balance forgiven based on my payment history and years of service. I have repeatedly requested my payment history from Navient but have not received a clear breakdown. I know I made multiple payments then put the loans into forbearance when my spouse left and I was supporting my XXXX children. I believe if I am not at the ten year payment requirement I am close.
Consumer complaint received 2016-12-28
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IN)

AVOID QUICKEN LOAN. 
Working with Quicken on a VA refinance loan was a terrible experience for me. I initially contacted them on or about XXXX XXXX. On XXXX XXXX I sent them a letter, at their request, explaining my intentions. Based on the letter and my proof of service, they informed me that I was eligible. I proceeded, at their direction, with the actions required by the XXXXappraisal, the pest inspection, well water test & treatment. All together about {$1000.00} out of my pocket. On XXXX XXXX, after I had done everything they asked & after Quicken had received all the necessary documents to close, they informed me that I was ineligible for the loan. Long story short, they agreed to refund the cost of the appraisal only. Meaning I wasted {$600.00} to accomplish what they told me to accomplish. AVOID QUICKEN LOAN.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I have been trying to resolve an issue for almost two years with Chase Mortgage, and can not get results. I am currently in Chapter XXXX bankruptcy, and making my payments regularly. We did not include our mortgage as part of our bankruptcy, so with the interest rates going so low we decided to look into refinancing our home. We met with a Chase Mortgage Banker, but he said we are a month behind on our payments. We have never missed a payment, and have records to prove it!. I have called Chase multiple times to try and resolve this issue and all we get is a run around. They never call back as promised, they never mail statements to show where or when we missed a payment, nothing. The Chase Mortgage Banker, admitted that Chase has lost customer payments in the past especially when Chase buys mortgages from other banks, which is what happened in our case. We originally had our Mortgage with MetLife, and did not have any issues until Chase got involved. 

Can you help?
Consumer complaint received 2017-01-31
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: JPMORGAN CHASE & CO. (FL)

I asked for a month extension, something I have asked for before. I was told I had to wait 12 months, I called back after the 12 months and got denied. I asked for a supervisor who started arguing with me over what the policy is, I just wanted 1 month extension to get back on my feet financially.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this company which is XXXX and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (IL)

HAD A BANKRUPANCY BACK IN XX/XX/XXXX, WHICH SHOULD OF BEEN OFF MY CREDIT REPORT-XX/XX/XXXX. APPLIED WITH CHASE BANK -- -AND THEY RESPONDED THAT MY CREDIT REPORT IS SHOWING BANKRUPANCY ON IT, BUT WHEN I LOOK AT MY FREE CREDIT REPORT -- -IT SAYS THEIR IS NO JUDGEMENT AGAINST ME OR XXXX REPORTS?
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

My complaint is that I have mailed information to Navient to see what could be done to have my student loan payments reduced but they continue to have me delinquent with payments I have tried for a year now to see what can be done when XXXX send information to me about doing a repay plan for XXXX dollars a month for a full year than my account would be forward to a loan servincing company paying the same amount each month they lied to me because when I received information from Navient my payments would be over XXXX dollars a month I could not afford that so I mailed a letter with a request to see what other options I have they never acknowledge my later but continued to place my account in a late status each month I want to pay on my account but I can not afford the amount that was stated the company is unwilling to help. i do n't understand why the companies are not willing to help consumers XXXX
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

I received a XXXX at the for-profit school " XXXX '' in XX/XX/2000-XXXX around $ XXXX. Over the last XXXX years I have paid $ XXXX dollars per month in totaling some $ XXXX. Over the years I have had a hard time paying in spots and they have always denied me the possibility of deferring and suggested I would not only go into default but that my mother 's credit would also be destroyed. It is my contention that due to the insane interest Ive paid ( over twice what the loan was for ) and the lack of options I have been given, I should be able to be able to have some satisfaction after being abused and harassed as a borrower. Additionally I am two months behind currently and they are calling my cell phone at all hours of the day morning, afternoon evening and when I sleep. I am tired of this and want to know when my rights will be cared for as a consumer who was not told my education loan would cost 3 times what I got.
Consumer complaint received 2016-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

Navient is trying to collect over {$50000.00} in loans from me however they can not and will not provide proof that this money was ever paid to any school on my behalf and also they say they will not show any proof that as long as they say I owe it they will make me pay for it, and also they are reporting XXXX different accounts on my credit report which I was not told that would happen each year that I filled out a XXXX I was not aware that they would report each amount differently under different account numbers this should have been disclosed with any XXXX or Master promissory note is filled out and also Navient refuses to offer help to clear up anything and they simply say you are going to pay it.
Consumer complaint received 2016-08-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

I paid my auto loan off in full via the lenders website by submitting an online payment which processed via ACH out of my checking account. Two days later I inquired as to when I would get the title and Ally XXXX informed me that it is " company policy '' that there is a holding period of ten days before they would release the title and then it would take 3-5 days to mail. That is a TWO week waiting period on my title when I paid in full. I would understand if I had written a personal check that there would be a clearing timeframe, but an ACH is an immediate payment. How is it legal for them to hold the title for 10 days? Reg CC has rules against holds being placed on funds via check, but there has to be some sort of ruling on release of title. If they have my funds, I should be able to demand my title.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Loan was opened in XX/XX/2005 for the amount of {$XXXX}. Monthly payments were supposed to be around {$XXXX} for 10 years with an interest rate of XXXX %. Part way through the loan XXXX XXXX became Navient. According to Navient I still owe XXXX} on this loan after making payments for 12 years. Even though this is not logically possible, Navient continues to charge me and will not review or correct the account.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp. (HI)

Recieved an email from Trueaccord.corp stating that I owe a debt of {$180.00} I do not know of this company and I do not recall doing any kind of business with Trueaccord.corp
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I have a student loan that is currently with Navient, They have forced me into forebearance and told me on several occasions there was nothing that could be done to lower my payments, despite knowing other people with Navient have been able to be on income based payment plans.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (WA)

My wife and I were victims of the XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments onXXXX turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

I went to XXXX XXXX and told them I was interested in XXXX. They convinced me that the XXXX would be the best fit for me and get me the education I needed to become a XXXX/XXXX. I took out a federal loan for a little over {$2000.00} to cover the Dell Laptop they were providing and a private loan for over {$16000.00} to get me through the XXXX semester. I was NOT provided a syllabus before the loan papers were signed. I took it on trust that the agent representing me and getting me signed up knew what the program was and was taking care of me. I was XXXX years old and incredibly naive. Upon my first day of the XXXX semester I was given my syllabus. The XXXX semester consisted of basic courses that each XXXX required to complete. It was n't until halfway into the XXXX semester that I received a syllabus for classes for semester XXXX. Upon receiving the syllabus I immediately went to the web site ( Itt.EDU ) to figure out what the description for the XXXX was as the upcoming courses were completely centered around XXXX and XXXX XXXX. The website, low and behold, had undergone a drastic update and my CAMPUS in XXXX XXXX, AR showed they had the XXXX program available. Armed with my newfound information, I proceeded to visit the DEAN in her quarters. She DENIED that the XXXX was available at our campus and COULD NOT explain WHY I had been put in the XXXX for XXXX. I immediately withdrew HALF WAY through the XXXX semester. Since then I have had my wages garnished to completely cover the federal loan PLUS high interest, and now I am receiving upwards of 10 phone calls a DAY to retrieve {$18000.00} for the private loan. Not only am I being harassed, but the references listed by my co-signer are also being harassed despite numerous requests to remove them from their calling list.