davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (MI)

Had a payday loan in 2013 " Check N Go '' in Indiana was a legit company. ( Amount Less than {$300.00} ) Wrote a postdated check that ended up bouncing or not clearing ( Or was drawn on a closed account ). I had lost my job moved back home to XXXX during this time and had closed my Bank account with XXXX. I am still pulling records from when the loan exactly was and when the account was closed. Now this company is coming after me saying their collecting on behalf of them stating that I need to pay {$770.00} this includes restitution. " For intent to Defraud '' Felony. These people managed to call almost my entire family requesting I contact their offices. I have asked to verify the debt but they said there not required to do so since there not a debt collector. They also stated that an arrest will be issued for my arrest as well as me being extradited back to XXXX. 
Facts-They had my full address and SSN, they were able to confirm friends names and phone numbers and employment at the time. They were also able to give me the check number and bank number however he spoke so quickly I could n't verify. 

I have all calls recorded for my record. I also requested to verify my debt the first time they called and they refused saying there not a debt collector.
Consumer complaint received 2016-04-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (IN)

This is in regards to both my Auto Loan and Consumer Loan with NFCU. Over the last two months I noticed the breakdown of my per Diem and the amount going to principal/interest based on the number of days in the billing cycle was wrong.I was being over charged interest despite the calculation of the per Diem x number of days since last payment. I called over two weeks ago and was told our account would be audited. ( The reason their representative recommended an audit was because she too said we were being charged more and she did n't know why. ) After a week of no response, I called back only to be told by a manager an audit was never sent but a " Financial Hardship '' request was. ( I am paid a month ahead on both my loans so I do n't understand why this was even a thought. ) She said the request was re-entered, sent " urgent '' and two business days we 'd hear back. It 's been almost three weeks and still no call. They have failed to provide the per Diem and P/I interest breakdown since the start of the loan which we have requested. We were also told that between the initial complaint and last it was corrected however, we never received information regarding the correction or any credit to our bank account or principal balance of the loan. ( We do n't even know how long it had been going on because again, NFCU has continually failed to provide the information requested. I was also told I would be able to pay towards the principal of the loan eventually paying it off early however, now I am told they do not offer that option. They only allow me to pay the balance in full or pay ahead. If I continue to pay " ahead '' as instructed that serves me no good as they will still collect on daily interest until the payment is finally made. I have continually been given false or inaccurate information since I took out these loans. When I have asked for statements from the beginning of the loan with the breakdown of the per Diem, the number of days in that period and how much went to principle and interest, they send me a transaction history which is the same information provided online. ( The date and amount of the payment made ) I have also been told to keep calling back if I do n't hear a response within the provided time frame. This is not my responsibility. It is their responsibility to follow on with their " audit '' as their representative explained and call me or provide me something with the findings along with what I have asked. " Adjusting/Correcting '' the account without following up or giving me the credits for overcharging is fraud. I no longer have the examples of what was off because it is now " lost '' due to the initial filing never being completed or completed accurately. This is absolutely inexcusable especially when I have never been late on any of my loans, in fact they are paid a month ahead and my credit card has a zero balance. This needs to be looked into immediately and my loan needs to be evaluated from day one for corrections and fraud.
Consumer complaint received 2016-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (TX)

I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.
Consumer complaint received 2016-04-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

Roundpoint Mortgage Services who services my VA loan has cashed my insurance payment from hail damage in XXXX 2015. They, the Loss Draft department specifically, said initially they were waiting for the XXXX of the XXXX which was submitted with the proposal ( bid/quote ) for services. They said they did not receive the proposal that was also an attachment in the same email. I have since resent it XXXX additional times. They continue to claim they have not received it although, each time, I receive an automated acceptance response from their email system. It is XXXX degrees here in XXXX and they 're preventing me from having a working air condition on a home for which I pay am paying over XXXX dollars for plus interest. In addition, they 're sending me letters saying I am not in compliance with their insurance claim policies because I have not requested a final inspection for the very work they are preventing from being done. Lastly, their phone system does not work properly and when you call it asks three times if you want to leave a message, if you choose not to, it then forces you to or hangs up but no one has returned a single call yet.
Consumer complaint received 2016-04-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (UT)

I 'm currently a XXXX ( 4 years ) enrolled in a university XXXX and in XX/XX/XXXX, when I started the doctoral program, I arranged to have my private student loans deferred. I recently received an email from the provider ( Navient ) stating that my loans needed attention. When I contacted the provider ( on XXXX XXXX, XXXX ), I was told that my loans came out of deferment in XXXX XXXX and that I now owed XXXX dollars in overdue loans ( I 'm not sure by exactly how much because I was told XXXX different amounts in overdue loans from XXXX different people because I was transferred several times, put on hold and had to call back. Both calls ultimately ended before I could resolve the matter because the employees switched my over to some automated survey both times -- the first phone call lasted 30 minutes and I got nowhere ). I requested forbearance, but was told I had to pay {$150.00} first to bring my account current. As a full-time XXXX student, I am unable to pay that amount and would like my loans to be placed in forbearance, especially since I never received any advance warning that the deferment status on my loans was about to end, so I never had the notice or opportunity to do so before my loans " automatically '' came out of deferment ( without my knowledge ) and became overdue. Otherwise, I would have done so earlier. I feel that I have and am making a good faith effort to work with the provider, but that the provider is not reciprocating as evidenced by the evasive manner in which they handle my phone calls, the lack of notice they afforded me, and the conflicting information I received. ( Instead, it feels like they almost want me to default so that they can charge exorbitant interest and fees and ultimately sell the debt at a profit. This is n't right, and if it is legal, it should n't be. ) Thank you.
Consumer complaint received 2016-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (TX)

I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

I was automatically charged XXXX for a XXXX policy that I did not renew. The computer the policy was on no longer works. I would not renew a protection plan for a computer that does not work. I called the XXXX to get the charge off but they only gave me {$15.00}. They told me I had to cancel in 30 days but I never renewed the policy.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I disputed an entry on my credit bureau for XXXX XXXX / XXXX as I have no knowledge of this account. Transunion responded on day 31 that it met FCRA reporting however has not provided me with a response as to why they believe that or what information was provided by the creditor. I beleive that any information provided by their client would also prove to be in error
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Collection Bureau, Inc. (LA)

Debt collector has left several messages on a work phone which " does not state my name. '' The debt collector from phone number XXXX XXXX XXXX XXXX leave a message stating " this is a message for XXXX in response to debt matter, if this is not XXXX please hang up in XXXX second '' ... then she proceeds to say this in an attempt to collect a debt and states several other things. This is a clear violation of my privacy and personal information and I want it stop now.
Consumer complaint received 2016-04-07
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MI)

Western Union sent me XXXX letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( I did not act on this until this week because I was out of the country for 4 months ) saying that they made a mistake and wanted to refund my transfer fee on a specific transaction ( {$12.00}, {$15.00} & {$12.00} { for a total of {$39.00} }, corresponding to the above letter dates ). They did not enclose a check but said that " You may generally pick-up your refund at any Western Union agent location in your area ''. Monday XXXX XXXX I went to a 'full service ' agent ( XXXX, XXXX XXXX XXXX , XXXX XXXX, MI XXXX ). They took my letters, went to their computers and after much time said that they could not find any information about this matter. The only way they could help me is by calling Western Union. I said, " You are busy, I will stand here and call Western Union myself. '' I did so and spend a total of 26 minutes on the telephone. After a long initial hold period, I did speak to a customer service representative who knew nothing about the matter but went off-line twice for long periods of time. After the second time off-line she came back on and excitedly told me that she now knew which department I needed to talk to. She quickly transferred my call at which point I was on hold again. After 5 or 6 minutes more on hold and, as noted above, 26 minutes total elapsed time after Western Union first picked up my call, I gave up and disconnected the call. This whole process strikes me as a blatant attempt on the part of Western Union to avoid refunding monies that I am due. The {$39.00} is 'de minimis ' to my financial well being. But, how many other people and how much money is Western Union trying to avoid dealing with ; trying to avoid fulfilling their obligations?
Consumer complaint received 2016-04-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NY)

I wanted XXXX, and was required to have my car ( like to own or rent ), the choice was to own, I was denied for auto loan in every bank institution, reason was my bankruptcy, so i had no choice but to go to a car dealer, who promised me to help with loan and the car. At first my auto loan to Santander bank was denied, after a week car dealer called and said he managed for approved the loan from same bank, but I must hurry and come to sign some papers, I was desperate and basically signed papers, and within XXXX or 3 weeks dealer had sold me the car ( old XXXX, but was promised XXXX ). Please keep in mind I did not received the money from bank ( bank gave funds directly to a dealer, and only then dealer release the car ). Got the car at end of XXXX XXXX and after two month Santender bank seize the car, declaring that application was filed fraudly, Also another fact, the tow truck came to take the car as for non payments, and I had called the police and police asked from tow truck to prove for non payment, and I was shocked Santender bank gave a tow truck driver the official letter as for non payment, I had showed my car payment statement and my bank statement, but XXXX trust more the document from bank, ( police never trust civilians, we all know that ). 
So, If a dealer wrote any fraud on application, in which I was not aware, why I should take responsibility, and If there was a fraud activity but I think only comes from both sides, bank representative and dealer, ( they made some kind deal, i only speculate with my situation, and I was not present when they made deals ). Anyway after two months Sandender seize the car, and after XXXX year declare to pay balance. I had found that Santander makes this kind practice very widely across the country, and I hope in future many consumers will not make mistake as I did.
Consumer complaint received 2016-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I am filing a complaint against Bank of America. I signed up for a small business checking account on XXXX XXXX, 2015. I did this in branch at their XXXX XXXX, XXXX branch. The personal small business banker I dealt with was as follows : XXXX XXXX. His email address is as follows : XXXXXXXXXXXX. 
I also personally dealt with the banking manager, whose first name is XXXX. Neither seemed interested in helping me. They did not respond to emails, and just basically blew me off. 

I met all the requirements of the promotion, including a set amount of spend on a newly opened credit card, a certain amount of bill pays, etc. 

Here it is seven months later, and I feel that Bank of America is doing anything they can to avoid paying the bonus. I have contacted them by phone, email, online chat, and have even written letters. I have personally communicated with the XXXX employees listed above, who had set up the account. I do n't know if they are intentionally not following through on the requirements of the bonus, or did not fail to set it up properly on XXXX XXXX. But waiting 7 + months for a bonus to post that was supposed to post in 2 or 3 seems shady. I was told by a consumer advocate that the CFPB is the one to go to on this issue. I am hopeful that you will be able to get Bank of America to finally post my bonus of {$1000.00}. Thanks so much, XXXX XXXX. I will attach documents for you. Please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX if you need any more information.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Loan Owner : : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Series I am repeatedly denied requests for loan modification by Loan servicers due to language in the PSA 'Loan owner does not authorize loan modifications ' Loan owner XXXX backed XXXX , XXXX XXXX XXXX XXXX for XXXX Mortgage pass through certificates '. All historical and current servicers ( XXXX, XXXX, XXXX and SPS ) of my mortgage that originated in XXXX by XXXX indicate the same. None of these servicers have contacated XXXX XXXX backed XXXX on my behalf requesting a waiver allowing me to modify my mortgage. When i contact XXXX XXXX, XXXX as the 'trustee ' they indicate that they do not have the authority to provide permission to modify my loan and refer my back to the service. the servicers will not provide me with contact telephone number nor contact name at XXXX XXXX backed XXXX so that I can reach out on my own behalf. the last filing of XXXX XXXX backed XXXX XXXX was in XXXX with the SEC. I have been informed by historical servicer that my loan was not propoerly securitized and that there is evidence of fruad. XXXX XXXX backed XXXX is a subsiduary of XXXX. My current servicer is Select Portfolio Services ( SPS ). My loan note and mortgage still indicate that XXXX as the originator from XXXX even though XXXX ( aka XXXX ) is no longer in business. XXXX and XXXX were purchased by XXXX. XXXX was dismissed as servicer by XXXX XXXX, XXXX in XXXX at which point i was tranbferred to SPS. Loan # XXXX
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was banking with Capital One 360, online banking since XXXX XXXX, XXXX and XXXX XXXX, XXXX, when I spoke with a Capital one 360 banking representive, " you can come and bank with us, if you have any problems with your old bank, which is XXXX, we will do a good job with your account ''. XXXX XXXX, XXXX, I transfered my Money in the amount of {$750.00} from XXXX to the Capital One 360 account. I could not believe or to my surprise the Capital One 360 online banking representives irlegally gave my money back to XXXX! Me as a Loyal Customer begin to make transactions, when I saw my Deposit get in to the Capital One 360 account, 75 % of my bills I requested Credits due to the XXXX Fraud, of trying to ir-legally take my Bill money and necessities money! XXXX Employee 's had ir-legally taking money from me before. XXXX XXXX would never put Fraud in a Mail Box. XXXX would let positive pay, go though by " your funds are here '', and than it would try to ir-legally get me to lose everything!!!! I have, so today XXXX XXXX, XXXX, I am filing a complaint against XXXX for Fraud, and Capital One 360 Online for no Fraud coming in to this account!!!!! When I worked as and in XXXX, I was the Employee, not the Employer!!! XXXX XXXX never put fraud in a mail box!!!! I do not know what Fraud looks like! XXXX!!! XXXX has a problem distinguishing Fraud? I would hardly believe that XXXX Employee 's has a problem distinguishing fraud!!! Meaning, they would do alot of ir-legally things, constancely trying to take money from me, I had XXXX on my registrar, I went into the XXXX XXXX Branch, when I had a correct balance, it may have been the year of XXXX, when my bank book correctly, when I was told by a Branch Manager at the XXXX XXXX XXXX Branch, " if you want to stay with XXXX Bank, we have to charge you, {$37.00}, you plus you have to pay have XXXX XXXX. I showed him my XXXX how well I well I balanced, meaning XXXX money was already there, when he ir-legally, started taking money from me stay them!!!
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (AZ)

Please see complaint XXXX. The company 's response is erroneous in a few ways : 1. They never address my concern which was repeated calls ( 3x in one day ) which violate the FCRA. Please address this concern immediately. Violations of the FCRA result in fines payable. 

2. This debt is not mine. Please correct your records. There is no history of this on my credit report ; you are contacting the incorrect person. I apologize for your poor recordkeeping. Stop. Calling. Me.
Consumer complaint received 2016-06-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I have not been receiving any monthly statements ( or periodic statements ) From Ocwen Loan Servicing , LLC, since my bankruptcy case closed on XXXX XXXX, XXXX. A federal rule, which went into effect on XXXX XXXX, XXXX, requires monthly statements be sent out to homeowners. 
XXXX
Consumer complaint received 2016-06-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (HI)

I have a Parent Plus Loan that I have been paying on time, diligently for what seems like forever. I also co-signed a small student loan for my son. He has not been making the payments. I have bailed him out twice and decided I would not do that anymore. I have been getting threatening letters so I spoke with Navient today. I told them I would brorrow money from my bank to pay off his loan. They quoted me {$4200.00} to remove all my obligations from this loan. I asked them to place a letter in my credit record stating I was a co-signer for this loan and lived up to my obligations. They stated they will not write that letter. Is there any legal reason they can not place a letter in my credit record?
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I do not have SSN because I 'm on XXXX not able to work, therefore, XXXX does not issue SSN to me. 
However, I 've built my credit for over 10 months now, only XXXX provided me my credit report and score, as I requested, with alternative ID and security questions, while I dont have ssn. 
But Transunion refused to provide me my annual report & credit score just because I 'm unable to provide a ssn which I dont have, and I cant obtain.