davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (GA)

I currently have a private loan serviced by AES which was suppose sold XXXX, I fell behind on my payments the last payment made was XXXX 2015. I recently received a statement from the company asking for payment due by XXXX XXXX, 2015 called to make arrangements and the customer rep told it was sold to XXXX and now is in default. I never received any information about the loan going into default.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Looking to sell my home and purchase a smaller XXXX, I worked with a realtor. My credit score came back low, a shock to me. Upon reviewing the report I found an account opened that was not mine. I reported an identity theft to all XXXX credit agencies, requested it be removed, to no avail. I submitted a police report which came back conclusive for identity theft. Officer stated I should contact all XXXX agencies and provide the proof she gave me and demand the account be removed. All but XXXX credit reporting agency accepted my dispute online. Experian refused to accept my information and wo n't answer calls. I have yet to have the account in question removed.
Consumer complaint received 2015-12-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Charge me 3 times XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING. Activity they said I done it, and they are right but their online web side redirect my transaction from my external bank " XXXX XXXX '' to Bank of America checking account, account with no available money and charging me. Transaction I done many times with out problem. Something was happening ... XXXX XXXX " phone support '' help me fix the problem, telling me she experience the same problem before with her personal account, then she asked me to logout and fixed the problem, then asking me to login again. Then Manager XXXX XXXX said, nothing can be done with OVERDRAFT ITEM FEE, it was my fault for not fixing the problem before, when the first incident happens. I try to explain to XXXX several times and she tried to explain to again to XXXX XXXX her supervisor. indeed I when to local bank and ask for help, they forgive XXXX fee and not the other XXXX and they never inform me about the real problem and how to fix the problem or even contact online banking, until the XXXX time, they even shared the online banking phone number with me. Feeling sad and very disappointment with Bank of America.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am trying to put a freeze on my credit. I accessed the respective links from this site : XXXX since the fees are state dependent. There was no issue with XXXX and XXXX. I was able to complete and freeze the account online. With TransUnion, it first asked me to create an account. Then upon entering all details it said could not complete it online and asked to call a number. It was obvious it was an outsourced call, and the first thing I have to provide is my SSN. Seriously? I am trying to put a credit freeze due to a hacking of my personal information, and now I have to give my SSN to someone on the phone? 
This is the message I am given : What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at ( XXXX ) XXXX to initiate your security freeze transaction by phone. 

TransUnion needs to have a better way for Individuals to freeze their credit online. I am unclear on what data is incorrect, as it is not identified. If the other XXXX agencies could transact and freeze my credit why does TransUnion have an issue with the data? Perhaps they want to tie me in to a subscription?????
Consumer complaint received 2015-05-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of a vicious scam. I was contacted through a freelancer website, XXXX, by a woman who offered me a job ( XXXX ). She assured me that it was a legitimate job and I only had to complete simple tasks for {$400.00} a week. A poor college student struggling to make ends meet with rent and utilities, I foolishly accepted the job. She then sent me XXXX checks, {$2800.00} each, and instructed me to deposit them and then send the money in separate transactions of {$1400.00} each via XXXX XXXX. I was totally unaware that the checks were counterfeit until my bank started closure procedures on my account without notice. When I called them, the customer representatives and Risk Department refused to revoke the decision because I am fully responsible for all transactions and since the money was already taken out, I may be held to repay the overdrawn amount of XXXX-something dollars. They told me that I made transactions on money that was n't there to begin with, but that means that I never had the money in the first place, thus I should not be held liable for it. The bank also holds responsibility for not contacting me when the checks were verified as counterfeit, but when I called and went into my local branch and told them my situation, they were unrelenting. They hide themselves behind monotonous masks of " there 's nothing we can do '' and furtively put the blame on the consumer. I am just a poor college student who fell victim to a vicious scam but now, I am the one in danger of being swamped in more debt on top of student loans and being blacklisted. At this point, I do n't even care for reimbursement. I just do n't want, and I do not need, to pay back money that was never mine to begin with.
Consumer complaint received 2015-03-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (GA)

I had an agreement to pay on medical bill monthly. After sending in payment for XXXX it was turned over to a collection agency. This however, may not have happened if I had not gone to the billing office to dispute a charge. On several occasions when I pay my co-pay at the doctors office I am later billed for it. I tell them I have my receipt, they tell me its for Lab work, they send it to collection. Collection called to tell me its for Lab work, I go to Billing Office, show my receipt for office visit paid, they tell me its for Lab work, I paid the amount they ask for to get it out of collections. I called Insurance Company, they tell me I do not pay for Lab work if it is done during my visit. The Insurance Company calls the Billing Office, told them I was not responsible for the bill. The Billing Office was to call Insurance Company and Physicians Office to confirm charges, however they did not call the Insurance Office, Physicians Office or me. They will not accept calls from anyone concerning this bill. I do not dispute owing the medical bill, I do dispute the amount because they have accepted XXXX payments since turning it over to collections. I believe that a company should honor their agreement when given. I do not want to lose the physician I have now, but if I have to change I will go back to the old clinic ( never had a problem with billing ). I am not the only one that has had this problem, the ones I have spoken with are afraid of losing their physician. This company is to large to resort to these tactics. I have paid my bill down from around {$3400.00} to XXXX, why send it to collection now? I did not receive a statement this month, but I sent the payment I agreed to pay. The statements you receive are very confusing, its as if they do n't want you to know what you owe or what you have paid.
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc. (TX)

TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have had issues with my account balances with Bank Of America related to issues of reported Identity theft. This has caused my balances to be improperly doubled and as a result the accounts I possess are locked out. 
Attempts to contact Bank of America in writing to resolve this issue are fruitless and I would like this office to assist me in getting my accounts unlocked =and corrected so I can restart my business life over again
Consumer complaint received 2015-12-07
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CommonBond, Inc. (DC)

I just applied to consolidate my private student loans via CommonBond. I filled out quick application which required a " soft '' credit pull to see if I would be eligible for a loan with their company. I agreed to the application terms and the result was that I was qualified for a consolidation loan with an interest rate from around 4 % - 6 %. Then I was asked by CommonBond to do a " hard '' credit pull to dial in on the exact interest rate for my loan. After receiving the first confirmation from my initial application I was led to believe that the second credit pull was a routine task that would finalize my loan. 
Instead of getting my final interest rate and terms, I was denied and told I needed co-signer who makes more than {$80000.00} per year. Unfortunately, I do n't have access to a co-signer who makes more that {$80000.00} per year. Had I know that there was even a mild chance that my application would result in denial and/or a co-signer requirement, I would have not risked applying. 
I went back and read through all the literature in the process before I clicked on the hard credit pull. It definitely is presented in a way that easily leads applicants to believe their initial credit check approves your loan and that this final credit check just figures out the final details of a pre-approved loan. 
I am very frustrated with my experience with CommonBond. The end result is major damage to my credit due to indirect and misleading information from Common Bond 's initial application process. 
If I was provided the proper loan eligibility information prior to my hard credit loan request, I would not grant CommonBond proper authorization to pull my credit report. Unfortunately, CommonBond 's credit pull was completed under false pretenses. 
I send XXXX messages to CommonBond explaining how I was misled by their application process. I requested that they contact the XXXX major credit reporting agencies and request to remove the hard credit pull on my file. They have refused to do this and also refuse to accept any fault in this process.
Consumer complaint received 2015-04-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (GA)

Citimortgage has placed several false statements on my XXXX XXXX XXXX consumer credit reports. My mortgage was discharged in Chapter XXXX bankruptcy XXXX XXXX, 2011. They have entered " missed payments '', " late dates '', " foreclosure '', and a " dismissal '' on my credit reports post bankruptcy. The mortgage was never reaffirmed and personal liability ended along with my discharge. They are attempting to re-age the account so that I can not recover from bankruptcy. When I disputed the information to both credit agencies, Citimortgage added even more damaging data. Reporting post discharge data without reaffirmation is a violation of my bankruptcy discharge. I can not be late on a account in which I have no personal liability & a foreclosure post bankruptcy, is a action against the property not me. They have XXXX years worth of entries post bankruptcy.
Consumer complaint received 2015-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RGL Associates, Inc. (GA)

RGL asscociates of XXXX, GA wo n't send me a " paid in full letter ''. I started paying my debt in an installment of {$100.00} starting earlier this year. However I needed a car loan, and this was showing up as a lien on my credit. So I decided to pay the remainder of {$300.00} in full XX/XX/XXXX. It 's been more than 3 weeks since I paid my debt in full, but still have n't received any kind of proof that shows that I am clear of this debt. Any bank I go to asks me to get the lien removed before they can accept my loan application. I have requested a paid in full letter 3 times already and they keep saying they will mail it the same day. I 've even offered to pay for a registered mail so to make sure I receive the letter and have to sign off. They are just giving me a run around everytime I contact them. They have however faxed me something that shows the amount I paid and shows that my balance is {$0.00}, but banks need more than that. I feel really helpless, I am in a dire need of a car loan. Please help!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX, I set up credit freezes for my XXXXXXXX XXXX daughters. During the summer of XXXX, I started helping my oldest daughter, now age XXXX, to get credit freezes removed. XXXX and XXXX responded promptly. TransUnion has been problematic. After reading this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that others have experienced a similar frustration with TransUnion, I decided to submit an official complaint. My daughter has repeatedly reached out to TransUnion by phone, email, and on the company website. She has been unable to access her online account. She has provided the requested proof of identification to TransUnion multiple times and followed up multiple times. She has had no response, and she is still unable to access her online account or speak to anyone who will help get this freeze removed. She has been told tech support would follow up with her. They have not. For a process that should take minutes, we are now MONTHS into this request with no response or resolution from TransUnion.
Consumer complaint received 2015-12-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have received an email from this company threatening to put a hold on my social security number, file a complaint with the IRS, and the Attorney General 's office and notify my employer, and press charges against me. After the first email I responded that there was no name on the notice being sent and I wanted proof mailed to me. They do not send anything by mail according to them. I can forward the emails from this company.
Consumer complaint received 2015-03-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OH)

Complainant is a partner in a small Ohio-based business, XXXX XXXX, XXXX. My federal XXXX is XXXX. I am filing a CFPB complaint because in setting up ( credit card ) merchant services via their wholly-owned XXXX entity, Chase Bank is improperly attempting to mingle my personal credit information and creditworthiness with a business endeavor that has no relationship with, nor is dependent upon in any manner, my personal credit history and personal information. XXXX XXXX, XXXX has a 14 year unblemished history of business and financial performance, and as a corporation stands on its own, and is legally considered a " person ''. Their attempted co-mingling of disparate attributes will damage my personal credit score, and are discriminatory against small businesses owing to the prima-facie truth that Chase Bank provision of identical services to XXXX XXXX companies would never include provision of a " date of birth '' and " social security number '' to support running a personal credit report/score. The practice of requiring personal DOB and SSN for provision of small business merchant services is discriminatory against a properly formulated business, represents an unnecessary burden not applied to large entities, and is particularly galling because in the specific case merchant services, contorts the entire process SINCE THE DIRECTION OF MONEY FLOW IS FROM THE BANK ( XXXX ) TO THE SMALL BUSINESS. Given this money flow reality, conducting a personal credit check is not only discriminatory and abusive, but fraudulent, since there is no provision of credit arising from performance of the credit review, notwithstanding the rare circumstance of a charge-back, which for the undersigned complainant has never occurred in 14 years of accepting credit cards. The postulated charge-back scenario is tenuous, since Chase Bank themselves have handled the business banking services for XXXX XXXX, XXXX for approximately 10 years. Furthermore, if charge-backs are the basis for concern, the examination of capacity to reverse fund charge-backs still remains with the legal entity, since it is the business account from which charge-back funding must be captured. In closing, this complaint is a " Consumer Financial Protection '' issue on behalf of all similarly situated small businesses and their Principals owing to the discriminatory practice of requiring an onerous and frivolous " credit check '', which imparts an additional burden as well as a tangible negative factor on the Principals credit history and score. In the event that the CFPB deems that this complaint more appropriately belongs with another agency or within another forum, the CFPB 's assistance in re-routing this complaint is appreciated in advance.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I paid off my mortgage with XXXX Mortgage Service Center. The payoff funds were sent overnight mail by the title agent on XXXX XXXX, XX/XX/XXXX and posted on XXXX XXXX, XX/XX/XXXX. Since the payoff amount of {$200000.00} was valid through XXXX XXXX, XX/XX/XXXX, I paid an extra day 's interest of {$25.00}. My escrow account balance was {$1300.00}, therefore my refund should have been {$1400.00}. The check I received from XXXX Mortgage Service Center was for {$1000.00} dated XXXX XXXX, XX/XX/XXXX. This amount is incorrect. Due to a separate complaint issue I filed with the CFPB regarding XXXX Mortgage Service Center earlier this year, XXXX separately agreed to refund a paid processing fee of {$370.00} for a release of liability processing fee I paid which had nothing to do with my escrow balance ( separate account : escrow account versus paid fee ). Since XXXX Mortgage Service Center could not process my release of liability request timely and requested documents not applicable to my specific situation because of my recorded oral stipulation for divorce and recorded quick claim deed ( validating no financial exchange and my need to refinance ), I elected to finally refinance with another lender due to the multiple servicing issues I had experienced with XXXX Mortgage Service Center. This is the primary reason why I refinanced with another lender ; simple processing tasks for some reason were not handled properly by XXXX Mortgage Service Center. Although I spoke to several XXXX employee 's during this process ; they really just do n't seem to truly understand the process being conducted.
Consumer complaint received 2024-09-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) of the Mr. Cooper mortgage company contacted me. She said she was sending my release of lien as we were speaking and I was getting a document via the mail. She asked if she satisfied my request and I said yes ( in case you hear a recording ). I should have verified that it was sent while she was on the phone as she said she was doing and I shouldnt have answered yes, unless I also said if you sent what I requested. After the phone call, I logged into the link she sent, but it did not yield anything. I then logged into the regular Mr. Cooper portal ( where you make payments, etc. ) and got further, but still nothing. 

I later received a letter dated XX/XX/year> that said they received the final payment of the loan on XXXX. To the right of the letter was ITS OFFICIAL : Your release of lien is in progress. 

I also relieved a letter dated XX/XX/year> in which they are calling the payoff amount I paid to XXXX XXXX as a suspense balance. As you know ( regardless of what they attempt to explain ) after they loan is paid off, the borrower is responsible for their insurance
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Healthcare Collections-I, LLC (AZ)

I find this medical debt reported on my credit report, but I do not remember ever owing a bill with a remaining balance of {$7.00}. It looks like the company dated the opening of this debt XX/XX/2010. I looked for the collection company on line, but it is as though it does n't exist. It appears to have impact on my credit score. I am willing to pay it if I could get an itemized bill showing the date of the procedure and when and what my medical insurance company reports about it. Also, if the company no longer exist, IT WILL NEED TO BE REMOVE FROM MY CREDIT REPORT. My complaint is that this company has not sent me a bill showing the details of my so called debt, but has reported to the credit bureau that I owe this debt. This is harming my credit score and it is not making it 's contact information available to me. How am I to clear up my credit report if this company does n't exist, but they have reported that I owe a debt that I have no explanation for?
Consumer complaint received 2015-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Service Center, Inc. (FL)

I do n't owe this debt, I do n't know who this company is, and I would like them to prove that I was under contract with them. If they bought the debt from some other company, then that would be a violation of HIPAA. Regardless, I do n't owe this company anything, and they must be removed from the report.