davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX toXX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2017-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I do n't know why you refuse to help people. Seems to me you make lots of false claims and do litte to actually help recify the growning racketeering that has arisin again. I had XXXX loans initially with XXXX firm that was allegedly purchased by a huge firm, but NO one can provide an fact regarding a RESPA Request. 
They ca n't do this, although they have tried with XXXX different lawfirms that try to intimidate people but are very carful on the working in their letters. What is really sad but very important and revealing is the fact that these law firms have had their problems with foreclosure litigation against them. 
These " pretend '' servicers-lenders are very very ticky and know how to create smoke and mirrors as well as being great at deceiving people with their mailings. Most have " paper mills '' that put out the fabricated, forged, phony, and even " robo-signed '' signatures and notaries!! Even many local trustee/recordrs are way to sloppy in not asking for proof before recordings. 
My most recent encounter is with a very nasty lender I have been fighting for five ( 5 ) years on XXXX loans and this company has well over 40,000 complaints logged against it through CFPB- so there is really something wrong here when you send a person like me a letter and say the " other party responded '' and we have closed the case based upon the mere lender 's reply and response with some of the phony documents attached. 
I have undisputed proof on all XXXX loans that they no longer existed after the first company was bought out. There is also a recent ruling against racketeering here in Colorado in the XXXX Circuit Court Ruling in XXXX et al. v. XXXX XXXX and Bank of America issued on XX/XX/2016 and the CFPB even ignores this and thousands of cases against this company which shows just how corrupt our system is and the fact that our very own government is in on all this racketeering. Otherewise they would be taking positive action to issue a nationwide moratorium on foreclosure so things do n't get out of hand again like in the past. 
I hope the new administration finally disbands the useless, dysfuntional, and questionable CFPB and many others. It is truly time for change in my humble opinion.
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (VA)

I have received 4 phone calls ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, andXX/XX/XXXX at XXXX XXXX ) from XXXX XXXX XXXX. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on XX/XX/XXXX. The person asked for me by one of my names, told me he was a debt collector, and said that I owed citibank/mastercard around {$20000.00}. I have no debts with citibank and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called citibank to inform them that this company was gathering money fradulently on their behalf. Citibank said they would forward the information to their security department.
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, 2017 I received a letter from Bank of America saying that they were closing my account. I have had the account for the past 12 years. It is for a small XXXX that collects monetary donations for XXXX XXXX by XXXX in XXXX. Money is collected and then wired to XXXX several times each year all through this account. I called the customer service number on the letter ( XXXX ) and no one would give me a reason for the closure. I explained that I owe an explanation to our donors ( 250+ )  as to why the account is being closed. No one seems to be able to offer an explanation..
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (VA)

I have received 4 phone calls ( XXXX at XXXX XXXX, X/XX/17 at XXXX XXXX, XXXX at XXXX XXXX, and X/XX/17 at XXXX XXXX ) from Capital Management Services. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on X/XX/17. The person asked for me by one of my names, told me he was a debt collector, and said that I owed XXXX/XXXX around {$20000.00}. I have no debts with XXXX and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called XXXX to inform them that this company was gathering money fradulently on their behalf. XXXX said they would forward the information to their security department.
Consumer complaint received 2017-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

I am currently in foreclosure settlement conferences in New York. CitiMortgage, the servicer of my FHA mortgage, gave me a loan modification application for my FHA mortgage. I completed the application in full, and sent it to CitiMortgage. Now, they denied my application because they claim that they are not authorized to modify the FHA loan. I appealed their denial, asking them to abide by HUD guidelines. Today, they denied the appeal, using the same excuse ( they are not " authorized '' to modify the mortgage. )
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I use my debit card so I do not have to reconcile checks. I transferred money to another account after seeing that there was plenty of money in the bank and the account still went negative. After I made the transfer there was over a thousand dollars on the bank. But it still went negative. I explained this to the supervisor and they still refused to refund the fee!
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

CFPB Complaint  XXXX  : transunion indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts from my credit report.
Consumer complaint received 2017-07-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MI)

I have private student loans through XXXX from years ago, but were just sold to XXXX. However I have a variable rate for them, and I wanted to see if I could refinance them from the 11 % that they are at now to something fixed and lower. I called my service, AES and they said they just service the loans and they do n't handle those things. So I called XXXX, and they advised they no longer write student loans and my options were to find another carrier that I could refinance with. It should n't be that hard to get my loans refinanced or the terms changed so I am not paying 11 % interest. I am a good customer, I always pay on time and I have only ever requested a forbearance a couple times. Nothing habitual that should make this a difficult process.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

After reviewing a copy of my credit report, I noticed a collection five accounts placed on my credit report from CMRE. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My Modification Agreement was completed XX/XX/XXXX, over one year ago, but the lis pendens against my house was never removed. When I called HSBC Bank about lifting the lis pendens they told me that they have no information in their computers because they sold it to XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX representative XXXX, a very pleasant and respectful individual. XXXX confirmed that the modification agreement was complete in XXXX of XXXX, and that all payments have been received in accordance with the modification to date. I informed XXXX that according to the New York Department of Financial Services ( DFS ), the lis pendens must be lifted within 90 days of finalizing a modification settlement, which is now more than a year overdue, and that I want the lis pendens lifted immediately. XXXX said that he, and his Supervisor would take care of it. I followed up with a letter to XXXX ( copy attached ), dated XX/XX/XXXX, and they sent me a response dated XX/XX/XXXX that even though the foreclosure part of my Court case is over, HSBC will not remove the lis pendens against my home unless I drop my countersuit. I have attached the two letters, and DFS press release information. I do not think the DFS intended for lis pendens to be used as blackmail against homeowners by putting a public lien on their home for all the world to see. I need the lis pendens release according to DFS consumer rights press release.
Consumer complaint received 2017-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (IL)

On  XXXX / XXXX /  XXXX  , I contacted the my  XXXX   XXXX   XXXX   XXXX  by the nam e of Santander Consumer USA, Acct  #  XXXX , asking that they send me verification of the debt that supposedly I owed in the amount of {$700.00} (   XXXX    ), {$1100.00} (  XXXX  ) & {$0.00}, t hat 's appearing on the Credit Files. I stated that the account had been paid after the company repossessed and returned the vehicle to me and I paid off the debt and received my title to the vehicle. If I still had a balance why would the company issue my title to me..     As of  XXXX / XXXX /  XXXX  ,  Santander has stated  that the information has been vertified. I wanted to see how they arrived at this amounts, listed above or remove the information from my credit files ; I also disputed the entry with the credit Bureau, such as  XXXX ,  XXXX   &  XXXX , all   XXXX   (   XXXX  ) have reposted verified the information.     When I contacted the credit Bureaus by phone, I asked what information was provided by the company to support the amounts ( such as contract with my names, bill or etc ) and was told to contac  t the Creditor.
Kind   Regards,  XXXX   XXXX   XXXX
Consumer complaint received 2017-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I submitted a re-certification of income based payments with my spouse information on X/XX/17, Fedloan Servicing states I " did not request spousal loan debt until X/XX/17 Income Driven Repayment Plan Application. '' Since they did not receive it and/or process the paper work until X/XX/17, I had to pay {$520.00} compared to my payment in XXXX 2017 of {$290.00} and my payment in XXXX of {$390.00}. I asked for a review of this payment. My " over-ride was denied and their reason is the aforementioned quote. The did offer to refund my payment of {$520.00} and stated it would not count toward my 120 qualifying payments for the Public Service Loan Forgiveness program. Fedloan Servicing overcharged me {$120.00} for my XXXX payment.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I opened a new business charge card account with  Citi bank in   XXXX   XXXX  . For 2 months i received the bill and paid it on time. After that I stopped receiving bills from Citi bank and later learned that my bill was going to an incorrect address. Now I am charged with late fees and finance charges that Citi bank required me to pay even though the bill was sent to the wrong address! Not only that the paper statement contained the entire 16 digit account number! I have repeatedly called Citi bank to try to resolve this but they were not helpful at all. I closed my account after paying the late fees and finance charges so that whoever was receiving my paper statement would not use my charge card. Citi bank employees could not give me the address that the bill was going to because they s aid they could lose their job. All they could say was that the bill was not going to the address that I gave them when I told them my address.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am tired of the the way my loan is being handle by Bank of america. I submitted a new modification packet since the beginning of XX/XX/XXXX and today I called to make sure they have everything in. I was told they have not received anything I got very upset because I fax my documents to three different fax numbers so this would n't happened.the specialist provided me with another fax number. I told the Agent I  have an active sale date and is urgent for Bank of america to get my documents so a new review can start. I am very frustrated that I am doing everything I can to work with Bank of america so I can be provided a resolution. But I feel Bank of america is purposely prolonging the case so my home can finally foreclosed. I am making enough to be provided an affordable trial payment. My intentions are to keep my home. I will do whatever it takes to show Bank of america I want to be current once again. The previous trial payments was completed it 's showing I am able to afford my mortgage payments. The only thing that I did n't complete was the contribution I was being asked to pay {$6000.00} to bank of america. Those were funds I dont have available and I explain all of this to my specialist and still Bank of america refused to work with me. Now I was forced to reapply, and that is what I have done.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XXXX XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XX/XX/XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents  with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a XXXX XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just XXXX XXXX XXXX. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XXXX XXXX, XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

re : my mortgage with XXXX XXXX XXXX loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XX/XX/17.they never wrote me or call me to ask me about this missing payment So on XX/XX/XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XX/XX/XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.