davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a Tax lein from XXXX county register of deeds that does not belong to me it was reporting on XXXX bureaus i called the County Clerk and verified that i do not and have not had a tax lein in my name. I disputed with XXXX bureaus and equifax and experian removed the lein because it was not valid and could not be validated for that reason. Transunion claimed it was verified. I then went back to the XXXX County Clerks Office and they verified again that i do not have a tax lein and have not had a request for verification of a tax lein from the credit bureaus and even further that they do not report to the credit bureaus at all, At that time i requsted method of verification and transunion did not supply only the fact that it is verified by a third party It is not my responsibility to reach out to a third party so i reached out to the XXXX County Register of Deeds that the Bureaus are alleging reported to my file maintained by them an account that doesnt belong to me. The third party is actually fraudulenty reporting in the name of XXXX county Register Of Deeds. Per my report it is alleged that the data furnisher is XXXX County Register of Deeds but they do not report to the credit bureaus they do not have a data furnishing aggrement with the credit bureaus so it is another entity reporting and alleging that they are XXXX County Register of Deeds. I have asked the bureaus to forward the contract or agreement or any proof that they are recieving to validate this file since I have requested it from XXXX County Regster of Deeds and they dont have anything. I have requested that the credit bureaus investigate this tax Lein on 3 occasions to no avail. they have not investigated nor have the forwarded any validation documents.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Good Afternoon This is a complaint about Transunion I would Like to continue my dispute with Transunion about reporting false information and ILLEAGAL INFO about me If you look at the documents that i attached to this complaint this is from Transunion orginal credit report on XX/XX/XXXX they are reporting a 30 day late I have sent Transunion proof that I paid XX/XX/XXXX on time. Ok XX/XX/XXXX they report a Ok ( paid as agreed ) NOW WHEN YOU LOOK AT XX/XX/XXXX They reported a 60 day late. How in the XXXX is that possible?? Transunion this is against the LAW FOR YOU TO REPORT NEGATIVE IN FRAUDULENT INFORMATION ABOUT A CONSUMER I ASK YOU TO REMOVE ALL LATE PAYMENTS THAT YOU ARE REPORTING ON THIS ACCOUNT AS NONE OF THIS INFORMATION IS TRUE. IF YOU ARE UNABLE TO DO SO I ASKED YOU TO PLEASE CONTACT XXXX AND HAVE THEM SEND ME PAYMENTS FROM XX/XX/XXXX UP UNTIL XX/XX/XXXX BECAUSE I KNOW I WAS NEVER LATE WITH THESE PEOPLE I WILL NOT CONTACT XXXX BECAUSE THEY FAILED TO RESPOND TO MY REQUEST SINCE YOU ARE reporting This false info about you I want you to remove this information as you are running my Good name
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

In XX/XX/XXXX and XX/XX/XXXX XXXX charged me for an item I never received ( a hot spot, now called mobile data device ). I communicated with the XXXX representative, XXXX, and he acknowledged that it was an error by the company ( see attached letter ). However, the charge was never removed by the company. XXXX eventually referred the case to a debt collector Convergent, which has negative impacted my credit score. Even after my attorney sent them a cease and desist order, they continue to dun me for an item I never received or used.
Consumer complaint received 2017-03-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

In XX/XX/XXXX, I had to take out a {$10000.00} loan with XXXX. While I was in school, I was told that I had to make payments, even though I opted out of the option to repay while I was in school. My mother had to pay $ XXXX monthly, because I could not afford the payment, due to me being a college student. Around XX/XX/XXXX/XX/XX/XXXX, I was told that my loan was going to transition from XXXX to Navient. My mother still continued to make payments and I occasionally made payments as well, due to me having a summer job. In XX/XX/XXXX, my loan payments jumped from {$80.00} to {$190.00}. I continuously called Navient, begging them to lower my payments because I can not afford to pay {$190.00}. Representative after representative refused to lower my payments. I have asked for income-driven repayments, Navient told me no. Later that year, Navient cause my credit score to drop XXXX points. I could not get an apartment, because Navient caused a hard inquiry on my credit score. I have recently begged them to lower my payments to {$50.00}, because that 's all I can afford and they still told me no. On XX/XX/XXXX, after calling, harassing and leaving 15 voicemails on my phone, I decided to pick up. XXXX, the representative told me that I need to make a payment or my name was going to go to collections. After I told him that I could not afford to make a payment, he rudely said, " If you work full-time, I do n't understand why you ca n't make a payment. You must make only {$200.00} huh? '' Navient harasses me XXXX. I have blocked over 14 different phone numbers from them, but they still call me from XXXX until XXXX. It 's exhausting. All I want is for payments to be lower, that 's it. They refuse to work with me and I will be grateful if I can get any help. Thank you.
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CA)

I am currently in escrow to purchase a home. My lender ran my credit again as normal procedure and found a collection that was n't in my credit 30 days ago. I am going to lose {$10000.00} deposit if I cancel the escrow due to not being able to qualify because my credit score dropped from XXXX to XXXX because this collection that does not belong to me. Because i was desperate after talking with a collector from Southwest Credit and told him that the social security number that he mentioned trying to verify my identity was NOT my social security number. Again because I went desperate I called again and paid {$180.00} thru the phone automatic system. Payment Conf # XXXX. Later, taking with my landlord and neighbors I discovered that the previous tenant living at XXXX Ca XXXX, was also named XXXX. Again, This account is not mine,
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my accounts without warning, and provided my documents advising me of this to my address from over 5 years ago. That is not what was in their system at the time they closed my account. Second of all the Representative on a recorded line advised me they closed my accounts in error, due to the my debit card being replaced in ERROR and marked as fraud by a customer service rep. When asking the manager about it. They apologized and said they would re issue me another card, Weeks later i find out bank of america deny all my claims on my checking account, and instead locks my account for 3 months with money in it. Slowly draining the account down to XXXX Dollars. When trying to call Bank of America for a response, or a resolution to this matter since i do believe after being told by numerous representatives that my account was closed in error. I was told they ca n't reopen my accounts due to the Bank having me on a " Hotfile List '' That i should speak with the CFPB instead and advise them that the accounts had numerous research charges, not only that but i was told that because the account was marked as fraud in error by THEIR Customer service AGENTS. That i would no longer be allowed to open an account at Bank of America. Now when i call i am told, Sorry it was a business decision we do n't have to help you. I was never a bad bank of america customer, Maybe i went through some financial difficulties at one time. That 's not the reason the account was closed though.
Consumer complaint received 2017-03-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NC)

I have paid off a loan and the lender Freedom Mortgage has sent me all the paperwork indicating the loan is paid and closed. However they keep reporting to XXXX there is a balance owed and when I contact XXXX XXXX of Freedom mortgage she refuses to return my calls or make the corrections. The company has made the corrections to XXXX when pressed however they have corrected XXXX then reported balance due again.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (TN)

I was not properly informed by Synchrony Bank to pay the interest free balance with the extended period on 30 additional ; day. I did not receive a bill in the mail neither was informed by the representative during the previous months call. I believe that the interest should be waved and they accept my payment and close the account.
Consumer complaint received 2017-03-20
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WELLS FARGO & COMPANY (AZ)

I have accounts with Wells Fargo Bank. We travel to XXXX often and we have done wire transfers many times on line and all of a sudden it wo n't work. After I put in the information and hit the " calculate '' button for it to tell me what the exchange rate is and how much will be available in XXXX - it puts up an error message saying my information is incorrect or incomplete!!!! This is their " EXPRESS SEND '' type transfer. It pops up with all the blanks filled in except for the transfer amount. Based on copies I 've received as confirmations the information is all the same!!!! Nothing has changed. HELP!
Consumer complaint received 2017-03-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I get about 6 phone calls per day with them saying my name and that a lawsuit is going to be filed, they have called realtives and places of employment. I do n't even know what this is, however they have listed it several times on my credit reports and it needs to be resolved immediately. They are reporting XXXX debts XXXX from XXXX and XXXX from XXXX, I have no idea what these are ... please help. The last time I had any debt issues was well over 15 years ago
Consumer complaint received 2016-11-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio bank continues to add and remove collections illegally. I have asked for any viable evidence, bearing my signature, showing the account is being reported accurately and recieved nothing. filed a ftc id theft report and yet the harassment and credit hits continue
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Bank of America is still not crediting my principal only payments to the principal remaining on the loan balance. Instead they are applying it to future payments ( and interest ) despite my insistence not to, and their policy not allowing this. I have previously submitted a complaint to CFPB regarding this matter ( case number XXXX ). Despite my efforts BoA continues to violate their written policy regarding application payments, and is in violation of the XXXX XXXX XXXX ( c ), failure to credit a consumer 's periodic payment as of the date received. These payments are instead being used to satisfy future payments - as of my XX/XX/XXXX statement, I am now paid ahead until XX/XX/XXXX - ( approximately {$1600.00} in advance interest payments ). 

I pay my mortgage twice per month. The second payment on the XX/XX/XXXX of the month is supposed to be a principal only payment. I have contacted Bank of America regarding this issue on numerous occasions. Resolution specialist XXXX, replied to the last complaint submitted and corrected payments. Furthermore, in his letter he assured me that if I wanted to pay in advance I would have to submit a letter in writing specifying this desire. 

All mid month payments ( extra payments ) are to be applied to the PRINCIPAL balance of the loan.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (PA)

In XX/XX/XXXX I submitted an order for XXXX cable, internet and phone service. In order to do so, I had to open an account. However, XXXX never established service or installed any equipment. After a few weeks, I gave up and instructed the company 's representative to close my account. Much later I was contacted by several debt-collection agencies, most recently SouthwestCredit, demanding payment of {$150.00}. On XX/XX/XXXX, in response to a letter dated XX/XX/XXXX, I wrote to Southwest that I had never received XXXX service and had instructed XXXX to close my account. In a letter dated XX/XX/XXXX, Southwest responded that their " investigation '' had " confirmed '' that the full amount was due immediately.
Consumer complaint received 2017-03-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I accidentally scheduled two mortgage payments from my bank, XXXX, to the company that recently took over my mortgage : SLS. ( If the payment is n't there on the XXXX of the month, they call me every day. So I thought the first payment had n't gone out. ) It has caused me to be seriously overdrawn as my other automated payments come in. 
As soon as I found out, I called XXXX, and they said it was too late to cancel the paytment. I called SLS a week ago, XX/XX/2017. I was told to send a screen shot of my bank statement showing the two payments, and SLS would send me a check through the mail as soon as the payment was logged. Without the screen shot, they said they would have to wait for TWO WEEKS to see if the second payment had cleared. I sent the screen shot right away. 
It has now been a week since that call, and 13 days since they received my first payment ( XX/XX/XXXX ). I just called again to see if my check had been mailed to me. I was now told that the screenshot is n't good enough. They want me to fax them the XXXX bank statement. 
And then it seems they will MAIL me a check back. -- Supposedly, it is against their policy to transfer the money back to the bank. 

THIS IS INSANE. : - ( 1 ) Is that correct that they can require two full weeks to clear, can only mail me the check, and so on? 
2 ) I much preferred my other mortgage servicing company, but my mortgage was transferred to this company a few months ago. Is there any way that I can request another company handle my HAMP loan? 
Thank you.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Pacific Rim Alliance Corporation (AZ)

I took out a vehicle registration loan some months ago. My intention was to work for a couple of months to pay it off. However I developed some health issues that prevents me from working and now I do n't have the income to get ahead of this loan. I am being charged 180 % interest and can only maintain the balance at around {$650.00}. It is not a huge sum but for me it is impossible to pay off. What can I do?
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

My credit score dropped XXXX points from XXXX to XXXX virtually overnight. The only possible issue was closing my XXXX credit card as I previously reported under a separate complaint. There was also an address for XXXX, Nevada which I told them I never lived there. I have lived in Nebraska all my life. When I asked what other bad information they had about me which may have caused the drop in score they refused to answer. When I asked to have them resolve the errors on my acocunt and look into the fraud they refused. I just got off the phone with Trans Union at XXXX CDT XX/XX/2017.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing " impersonates itself '' as XXXX -intentional misrepresentation of material facts, 1692e and possible mail fraud under 18USC 1341. 
Please see attached. [ Exhibit on the purported " trustee 's deed upon sale, '' scan XXXX, will be sent via fax. Unable to upload due to size of file. ] Thank you for your help in upholding and enforcing Federal consumer protection laws.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Acceptance Solutions Group, INC (TX)

I took out a installment loan with the understanding that I would pay it back early to avoid the ridiculous interest payments which in total would be 3 times the amount borrowed. I tried contacting the company on several occasions but was unable to reach someone. one person who calls himself a supervisor spoke with me and I was told I could not pay loan off early. This company is a total ripoff and there is no way I would have taken the loan with the intention o repaying 3 times the amount borrowed.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (PA)

I opened a XXXX credit card with American Express in 2016. After about three months of use, the number was stolen and used for a fraudulent transaction. I called in and asked for a new card number to be issued. AMEX chose to close that account completely and issue a new card with a hard pull on my credit. XXXX XXXX accounts now reflect on my credit report ( XXXX notated as closed by consumer after only three months and at the consumer 's request ). This is not correct. The XXXX AMEX XXXX accounts on the credit reports should be merged so that age of credit history is not dinged by the average of XXXX new accounts. I only authorised the opening and hard pull of the original account and never closure of the original account or opening of a XXXX. Please correct this.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc. (NV)

Received telephone call threatening to arrest me on a felony charge and freeze all banking and credit accounts on a debt that was 15 years old and past the statue of limitation. He bullied me and continued to threaten me if I did not pay money right then to him. Three business days later I sent through USPS XXXX a letter to the company disputing this debt and wanting no further contact. The following day I mailed a second letter certified mail also disputing this debt and requesting no further contact. Asset Recovery Associates have continued to call me every day and on XX/XX/XXXX they called at XXXX. They even contacted my brother believing he was my husband and demanded contact with me, however, they failed to identify themselves.
Consumer complaint received 2016-11-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CA)

US Bank continues to honor fraudulent money orders and will not close our business account. Our office was broken into twice, checks and money orders were stolen, the money orders were already cashed using US Banks product Single Point Scanning system where checks and money orders are scanned into their system rather than doing a manual deposit at a local bank. I have written US Bank a XXXX page letter asking them to stop honoring the fraudulent money orders and they tell me that they have to continue to honor them because they are US Postal money orders which requires them to honor the money orders even though they know they are fraudulent. There have been XXXX arrests in this case due to my due diligence in investigating the break in and finding the suspects. I am working with our local postal inspector, and Sheriff Department as well as local police. One of the suspects was arrested in XXXX, and I have been asked to appear in XXXX in XXXX to give a victim statement at the sentencing hearing. The other XXXX suspects court appearances are being scheduled and I am required to be present there as well. I will be happy to send you all the documents related to this fraud case, including the letter I wrote to US Bank and the response I got from US Bank. I was told by my US Bank representative that this was unprecedented and that the bank does not know how to handle this issue, so they decided to fall back on normal bank rules and regulations rather than work to correct this issue. My insurance company is completely stumped and can not understand why a bank would continue to honor what they know are fraudulent money orders and are considering not paying the claim because there is a continuous stream of money orders coming in weekly. US Bank told me that once the account is 30 days past due they will close the account and no more would be honored, so I thought it was over and my insurance company would then pay the claim, but without warning US Bank took money out of our other account to balance out and continue to honor the fraudulent money orders. So now I am back to square one, watching the money stack up and I ca n't do anything about it, my insurance company has hired an independent investigator to look into this issue and the bank is being uncooperative with him, he just wants to find out why and maybe the insurance company will then honor the claim. This is a very long and painful problem and I do n't know what to do at this point. If the bank wo n't give me the money back, and the insurance company ca n't pay because of the bank 's actions I may have to close my business because there is no way I can pay $ XXXX back. I need help.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (FL)

Have continued to have full coverage of insurance on our house, we are waterfront and carry, hazard, flood, and wind insurance. Received letter from Provident Funding about 4 weeks ago saying our wind insurance had expired. That was untrue and had our statefarm agent call them and then fax a copy of deck sheet showing them as mortgagee. 
We received another letter today claiming wind coverage had expired and with the letter they had FORSE PLACED COVERAGE. 
I called my agent and she has documentation saying they were given the information requested, She again called them and they finally found the documentation sent several weeks ago. They told the agent they would resend the new policy they had written.