davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (NC)

XXXX had my brother to take out XXXX different loans with XXXX. The total is well over {$10000.00}. I am the consigner on this account and at the moment I am the one paying this bill. I am a current student, a mother, a wife ( of a XXXX service member ) and I ca n't afford and never could afford this bill that is now over {$400.00}. I 've kept the bill in deferment. up until recently and it was sold to another company for payment. I would like to stop paying this bill. As the cosigner, I would like to know how can I get relief from this bill. My brother has n't paid this bill since he left school in 2013. Everything that I read that they will do to a student they did to him ie pulling him out of class threatening to keep him out of school if he did n't make a payment.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Loan # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXWe started a short sale with Bank of America XX/XX/XXXX. Bank of America holds the 1st TD position, and also shows as the servicer on title for the 2nd TD. 

There are several issues with Bank of America 's behavior on this short sale. 

1 - We have been trying to find out if Bank of America also still holds the 2nd TD, or to where it was service released for TWO WEEKS. NO ONE will respond to our voicemails, nor our requests in Equator. 
*** Bank of America is OBSTRUCTING the negotiation with the 2nd TD. 


2 - Bank of America repeatedly requests items that do not exist, or that we have already provided. They have been requesting copies of separate business bank statements for the XXXX homeowner, and for XX/XX/XXXX Income Taxes. I have repeatedly sent them SIGNED STATEMENT from the homeowner stating they have not filed XX/XX/XXXX Income Taxes -- this type of statement has ALWAYS been accepted in the past, not only by Bank of America, but every other lender that services short sales. Bank of America has repeatedly rejected this statement. I have also submitted the business bank statements on XXXX - when they were first requested - and Bank of America rejected them anyway. 
***Bank of America is refusing to work on a short sale for someone who has not filed XX/XX/XXXX Income Taxes***Bank of America rejects the exact documents that they have requested - is this another attempt to XXXX the short sale process? 


3 - The Single Point of Contact ( SPOC ) does not return phone calls. 

4 - There is NO ONE at Bank of America that will answer any questions regarding short sales over the phone. All attempts at speaking to someone result in being transferred to a voicemail, which is never returned. Even their normal customer service department, which handles all their financial products, immediately transfers you to the SPOC 's voicemail, saying they have no information and can not help us. 


5 - The negotiator and management refuse to respond to voicemails and messages inside their Equator system.
Consumer complaint received 2015-10-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (FL)

I got my student loans with Key Bank starting in XXXX 2000. I have been in repayment for 3 years. I recently had major surgery and was out of work a couple of weeks. They called me twice a day until I made my monthly payment. Every time they called I would ask to connect with a supervisor and after XXXX minutes I would finally get through. I asked for graduated repayment or any other assistance they might offer several times. Even in the hardship I was in I was told I am not eligible for any of those programs because I have been in repayment longer than 18 months and they no longer even give student loans so there was no department I could appeal to. Every bank I look into has much higher interest rates or do not accept balances as high as mine. I attended XXXX College which is a private school with high tuition and I 'm paying a student loan that is as high as a small mortgage. It 's a real struggle seeing as I 'm only a XXXX. Any guidance would be appreciated.
Consumer complaint received 2017-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

I have a joint checking account with Chase bank. I noticed there was a quick pay of {$590.00} that was deducted from my account that I did not recognize.. My son who is on the account did not recognize it either. We contacted chase and was told the account may have been compromised and to close it and change all passwords with new account. They said they would investigate and credit account. They did credit account but a few weeks later we noticed the account had been debited again for the same amount. Upon calling Chase we were told that they found no fraud and the money was sent to someone in the same geographical areaXXXX I demanded more information on this person I did not know and was given an email address and last 4 digits of an account number that neither my son or myself recognized. Now we are told that there is nothing further they can do. CASE CLOSED!!!
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

last month XXXX collection trades appeared in my credit file that were deleted over a year ago because they were unable to verify the debt was actually mine. I went into the dispute section of equifax website last month to dispute these trades named XXXX and when I submitted my dispute it was if I never submitted it at all because my credit file still had the dispute botton instead of the normal this trade is under investigation you should have your results soon which tell me they are not willing to dispute these trades even tho they deleted them last year. These collections should not be there at all in my opinion. They were deleted because they either did not respond in time or just could not verify their investigation from the original creditor. What is the point of having a XXXX day time limit if they let these companies just do as they please anyway and the consumer has no say in this matter at all. There was no notice saying these trades were being reinstated or nothing. I want these items removed permanently and equifax should at least be warned of this and to not to do this again to another consumer. We have the right to challenge anything that is on our credit report that appears to be inaccurate and they are not allowing us to do that. they claim to investigate it but im sorry it takes more then just one day to complete an investigation
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I can not believe Equifax Solutions, They have the worse customer service and they are reporting for the Business. I found out that they are reporting commercial card that is not mine on my Business Profile as Delinquency 5 times and wo n't give me the company name or number. The account number or the balance on the account do not match any of my credit cards or loans. This is a error that stop peoples bank from getting me funding. I ask to speak to the supervisor XXXX to find out why I can not find out more about this account by becoming a member online. The supervisor told me they will charge you {$99.00}, but you will only get a summary of your account, but it still wo n't let you know what company is reporting that information so I can contact them personally to resolve this issue. XXXX also said you have to wait 10 days for your credit report by mail before I can do a dispute. XXXX said because of there policy if I do n't have the credit report we can not give you any information on this account. Then I told XXXX that is why I ask to open an account online so I can access my report right away. So I can resolve this myself because this is a error because I do not have any accounts that match what they are reporting. I am so disappointed in this Equifax Business Solution reporting agency. They aloud a company to report of my Business profile, and charge company to see their profile but if there is a problem there is no way to contact the company who is doing that making it a scam. On my personal credit account with Equifax I have access to all my accounts company name and contact number. Why would Equifax not do the same for the business makes nosense, They should not be charging or reporting on business if they going to be onesided. This is my business they have no right reporting false information and not giving me the company that is doing and saying it is not there fault it is there policy. This is stopping me from getting funding and it could take up to 60 days when I could have resolve it right away by getting a letter from the company to give to peoples bank so they can give me a past on this error. And also do a dispute right away base on the information that is clearly on my report. Error like these can take me out of business. Small business need funding. I attached the email from peoples bank showing the account from Equifax business solutions.
Consumer complaint received 2015-06-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (VA)

Dear Sir/Madame : I am presently residing at Virginia. On XXXX XXXX, XXXX by checking my credit reports, I have learned that an collection amount appeared on my credit reports. I am a XXXX of XXXX, there are XXXX of XXXX of XXXX having the same name and the person who is responsible for that account is NOT me. I have no knowledge of the identity of the person who is responsible for the mentioned account and I do not understand as to why that collection account appeared on my credit report. I realized that collection is for XXXX XXXX which is a power company in XXXX XXXX. I have been living in Virginia since XXXX and this account was established in XXXX in XXXX ( it appeared to be an electric bill ). Clearly, I have nothing to do with this electric bill. 
I am greatly upset about that account since it caused my credit rating tarnished. I am requesting for your help in restoring my excellent credit rating and that delinquency reported to the Credit rating companies be removed. 

Many Thanks.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

My complaint with XXXX XXXX is that they never sent a final bill to my updated address of email address. When I cancelled services, I called to have the final bill resolved -- which included providing an updated address to send the bill to. Though I never received that bill, or any notification that they were trying to collect a debt from me -- my account was charged off to collections. Once I noticed the debt on my credit report, I immediately paid the balance to the collection agency. I have tried to reconcile with XXXX so that they will remove the reporting but they will not attempt to do so because they feel the reporting is valid. Even still, I I never received a final bill. Customer service has been trite and uncompromising in working with me to get this resolved. I find the actions of XXXX XXXX to be both unprofessional and unfair reporting to my credit report. I Seek to have the negative credit reporting removed completely from all the reported to agencies : XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX. I find any trace of negative reporting to be unfair as it will affect many of my future endeavors negatively.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (FL)

I phoned XXXX XXXX because the agency is reporting a charge off of {$73.00} that it is also being reported in duplicate by Enhanced Recovery. The representative with XXXX  instructed me to call enhanced recovery, when I called enhanced recovery they denied that they were continuing to report it. I believe that this account is being reported in duplicate and that the agency is in advertently reporting it and that the account is too old to be continually reported. 

Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account XXXX XXXX XXXX ERC XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 1 Months Credit Limit Not Reported Highest Balance {$73.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2015-11-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In the last few months I have sent to TransUnion the documentation they requested to provide me a copy of my credit report. In each instance TransUnion mails a notice back that the documentation provided was not a qualifying document, or did not meet their requirements in some other way. 

TransUnion also will not allow me to access my credit report on their website, and will no longer supply my credit information to XXXX. TransUnion does not allow me to dispute errors on my credit report online with my online login XXXXXXXXXXXX.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX, Experian, and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX
Consumer complaint received 2015-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

I transferred my Internet, TV and phone from XXXX to XXXX at the end my XXXX billing period on XX/XX/XXXX. XXXX was installed and working on XX/XX/XXXX. All XXXX equipment was returned to their local store and I have receipts for everything. Now XXXX has deliberately and falsely billed me {$780.00} for XXXX unreturned set top boxes, taxes and for a period after disconnection and XXXX installed and turned collection over to XXXX firms in XXXX different states. This is common billing practice for a firm well known for outrageous customer service that keeps billing and collection actions separate from other services. I 've experienced similar treatment before with XXXX Phone service. But as customers have only XXXX choices. They can get away with it.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (WA)

This company has taken an account, that can not be verified as mine, and submitted it to the credit bureaus as a credit line. This is from a XXXX Cell phone, not a revolving credit. Every month, they are updating this account, which is preventing my credit score to be increased as it should. It is also making it very difficult to purchase a home since they placed this account as a revolving debt, it has increased my DTI.
Consumer complaint received 2015-11-27
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: High Point Asset Inc (FL)

I recevied a call on XXXX XXXX, XXXX, stating that i owed on a payday loan from XXXX. The name of the company was High Point Asset. The customer service preson told me that I had an outstanding payday loan balance from XXXX that I did n't pay. I have taken out payday loans in the past, but they were always paid back via my bank account within weeks. The peron advised me that I owed XXXX and that it steams from the original amount of XXXX that I owed on the payday loan as it was purchased by different companies. The person told me that they have tried serveral times to draft this money from my bank account, but they stated that my bank account was closed. Which is true, I closed a bank account in XXXX of XXXX. They told them I have always paid my payday loans back and i have only had payday loans with the company XXXX XXXX XXXX. I do recall apply for a different loan with a different company, but I never completed the application. The person told me that it could be from that application. I did ask for proof of the debt, but was advised that the company tried to contact me via email and that they do n't contact people by regular mail. They also told me if that if i didn ; t accept the debt that they would put me as refusal to pay. I did tell them that I would pay the debt, although I do n't think that I did n't believe that I owed them any money. They wanted to set up a payment plan for me to pay just XXXX of the debt as they would knock off XXXX from it if i entered into a payment program. I did agree, but something didn ; t feel right, so I ended the call. No new banking information was given to them. I contacted my bank to pull my transaction records during this time period for verfication. I was told that if i went court with my bank reocrds it would not hold up in court because the funds could have been given to me in cash. I have never received a payday loan in cash before.
Consumer complaint received 2015-11-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TN)

Since XX/XX/2015 I started making a small loan from CashNet USA in order to help me get back into my XXXX from being off during the XXXX. I borrowed a total of {$500.00} over 3 months, but now after paying back on the loan every two weeks ( when my checks come ) in I 've payed back over {$530.00} but still owe {$530.00} with % 275.85 interest. It is almost impossible to pay back the loan since the interest is so high. I did n't realize this when I took the loan nor did I read my statements until I realized that what I was paying every two weeks was being absorbed as fees and interest on the balance.
Consumer complaint received 2015-08-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Patenaude & Felix A Professional Corporation (GA)

I have constanlty harras by this deb collectorOF A DEBT THAS IS XXXX YEARS OLD. IS THIS LEGALUNDER NAME OF PATANAUDE AND FELIX APC. 
THI IS PHONE NUMBER IS XXXX XXXX XXXX NUMBER IS XXXX XXXX
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MI)

UniRush owns RushCard prepaid and on XXXX XXXX, 2015 RushCard was suppose to do maintenance to their website which was suppose to be completed by XXXX then it was XXXX. When I spoke to someone on XX/XX/2015 they claim the problem would be fixed in a few hours once I told them I was n't able to load money on my card. When I called again on XX/XX/2015 and told the representative RushCard had locked my card the representative kept having me put in my information on my online account to the point RushCard had put my account on hold. As of Wednesday XXXX XXXX, 2015 RushCard has Deactivated XXXX if not XXXX of it 's customers cards, locked their accounts, and stolen our funds. Now XXXX hours later customers still have no access to their cards, their money, and when you call RushCard their representatives have such bad broken English, they do n't comprehend English, and they ca n't assist customers. Like many other customers I have to pay bills among other things. At this point customers believe RushCard has stolen everyone 's money and continue to lie about it being an update. I 've never seen any company take XXXX hours to do a system update. UniRush needs to be investigated because they 're holdong customer 's money hostage and do n't give a XXXX what anyone has to do. When you call the UniRush Corporate phone number they never answer and when you call the RushCard customer service number you 're on hold for an hour then you get someone on the phone who ca n't assist you because they ca n't speak English properly. 

RushCard first locked my card then they deactivated my card with my money on it and they 've done this to XXXX of other customers as well of their system is giving the wrong information as well as their system told me my card is n't even activated. I 've called their customers service far too many times and have been told XXXX lie after another. They 've refused to compensate their customers for all the inconvenience they 've put us thru and they 're not trying to move fast enough to fix the problem.
Consumer complaint received 2015-11-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

my house burned I called Carrington mortgage company ( who owns my mortgage ) to ask for a payoff and how to go about paying it. Their representive told me to send check to them unsigned then they would sign and send back. I would then sign and bank wire the money to them because there was a few XXXX extra in the check. I ask a number of times to make sure I was doing this right. I sent ck overnite XX/XX/XXXX to make sure it was paid XX/XX/XXXX because the payoff would change then and they would charge me more. when I called XX/XX/XXXX to see why it was n't back they told me it had to be done a completely differnet way and that they had just put it in regular mail so it would n't be back XX/XX/XXXX. when i said but that will cost me more the Rep said oh you do n't have to worry about it there is plenty in the ck to cover what ever we will need to take .When I ask how much they r going to take they said they would n't know till the check got back to them. and refused to give me any numbers at all. When I complained because I had done everything I was told to do the mistake was theirs that I felt I should not have to pay anymore than than XXXX payoff I just keep getting suffled to some one else. I had this loan for over 6 years and paid over $ 40,000.oo yet my payoff was only {$7000.00} less than I started with