davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Again, after making a payment to Navient, my balance increased. This has happened several times, but this time I took screen shots of the page. On XXXX/XXXX/2016, prior to making a payment of {$300.00}, my balance was {$34.00}, XXXX and today ( XXXX/XXXX/2016 ) after posting my payment of {$300.00}, my balance is {$34.00}, XXXX. Previously, when I have contacted customer service at Navient about this, I did not have the screen shots to prove my balance increased and now I do. Kindly advise me on what to do about this as it appears to be an ongoing issue that may have been costing me money I do not owe. I am happy to provide the screenshots as well. Thank you, XXXX XXXX
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I finalized a loan modification to a 40 yr fixed rate loan with boa on XX/XX/XXXX.I began this process XX/XX/XXXX. I recvd my first signed modification on XX/XX/XXXX XX/XX/XXXX I discovered via a severley impacted credit score that the final mod was " never filed '' and no attempt to contact me.from the start of XX/XX/XXXX i have never missed or had a late payment. boa has consistently misapplied my payments. my statements do not reflect the payment specified in the final mod. boa randomly applies all payment to interest with no pricipal application. I called the customer service and XXXX informed me that i have a payment specified in the first modification that boa stated was never filed and did not exist. therefore at this time boa has XXXX final modifications coexisting .each and everytime i contact boa i am given a new contact person to date i have had XXXX.the latest one is XXXX you will research this and call me " next week ''. the last statement i recvd for XX/XX/XXXX states i owe XXXX under projected interest and regular monthly payment. my modification payment is XXXX according to the last account transaction history sent to me my XX/XX/XXXX and XX/XX/XXXX payments were all applied to interest.again as reported to cfbp and copy sent to me boa states " our records indicate that your loan is current '' .this loan has always be current with all payments recvd before the due date since the trail period beginning XX/XX/XXXX.also when i recvd from XXXX the response to cfpb and a copy of my modification and statement transaction history. XXXX XXXX XXXX was kind enough to include a letter to another bank of america customer ( not me ) and this customer 's resolution specialist name is XXXX and her contact # XXXX ext XXXX ... so one can only image the amount of confident information sent by boa to the wrong people.
Consumer complaint received 2016-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received a collection notice from Linebarger Goggin Blair & Sampson, LLP claiming that I owe a Florida State toll with a license plate XXXX, FL. I have never owned a car with a Florida registration, ever.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX CFPB # account XXXX Date XXXX/XXXX/XXXX Dear TransUnion Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. PLEASE PROVIDE THE PROOF AS REQUIRED BY LAW. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (GA)

I visited the emergency room at XXXX XXXX Hospital and was billed as a charity case because I am indigent under the GA Indigent Care fund. These 3rd party collections agencies bill me and call me for the services that have been credited and cleared my account. However, each time I tell them this they sell the account to another 3rd party collection agency that will bill me the next year and add this back onto my credit report. They keep flipping this bill after I send the confirmation that the bill is clear. This is some type of pontzi scheme and they just keep on coming. There needs to be a stop put to this type of activity by these collectors.
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (TX)

I received a letter from Caliber Home Loans ( current mortgage company ) regarding the opportunity to refinance and lower payments, get cash for home repairs, etc. We need some kitchen updates, so I called and spoke with XXXX XXXX just to inquire and see if it would be beneficial. Just wanted to see what the cost would be and get an estimate. She said she would need to do a credit check to get numbers for me. She verbally gave me a couple of options and then said she would send something in writing. Next, she sent a loan application requesting electronic approvals from me and my husband. It had incorrect numbers, including initial loan amount and other incorrect info. After looking at the figures, I decided it was n't a good time to move forward. I replied to the email she sent with the application and told her that we were not ready to move forward at this time. I 'm certain she read my email. In a couple of weeks I received a letter asking for some clarification on some items on my credit report. Since I had told her we were not moving forward, I ignored it. Then last week, I received a statement from Caliber saying that they had reviewed our application and did not approve it. Imagine my shock that XXXX XXXX had apparently sent the application through without the approval, knowledge or consent of me or my husband! Perhaps she has a quota or is compensated for processing loans. I called the company toll free number XXXX and left XXXX messages asking someone to call regarding this and left my cell number. No one ever returned my call. My biggest concern is that this will go on my credit report that I was turned down for a loan that I never applied for.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF XXXX  TRAFFICKING WHICH IS ALSO THE RESULT OF IDENTITY THEFT. AFTER BEING A VICTIM OF XXXX  TRAFFICKING THE PREDATOR USED MY INFORMATION WITHOUT MY PERMISSION AND ALSO WITHOUT MY KNOWLEDGE. I HAVE ALREADY SENT OUT A LETTER TO THE CREDIT BUREAUS IN REGARDS TO THE FRAUDULENT ACCOUNTS AND INQUIRIES DONE IN MY NAME WITHOUT MY CONSENT WHILE BEING A VICTIM.ALSO HAVE SENT IN SUPPORTING DOCUMENTATION ACCORDING TO THE FCRA.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (MN)

I filled a fraud dispute on my Barclaycard Arrival Plus account for " XX/XX/2015 XXXX XXXX XXXX XXXX '' Barclaycard did nothing about it, so I was left to go after the merchant myself and the merchant refunded the charge two weeks ago. However the credit went to the original card of the purchase ending XXXX which was reported lost and stolen due to the fraud dispute. I am asking this company to fix this issue and to apply the credit to the new account no, also waive all of the fees, interest charge associated with this transaction, and I want them to close this account beacuse I do n't want to do business with them anymore after they made me go thru this.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I recently filed a complaint with the CFPB ( Case number : XXXX ), alleging that Chase Bank failed to stop a fraudulent withdrawal of {$2200.00} ( see attached document ). In that complaint, I noted that Chase failed to block a fraudulent withdrawal from my account. In the response below, Chase contends that there is only " a timeframe of 24 hours to attempt any recover of funds. '' They also contend that my claim was n't filed until XXXX XXXX. Please see attached phone record that shows on XXXX/XXXX/16 at XXXX, I placed a 15 minute call to customer support ( XXXX ). I have asked Chase for the details of this call and they informed me that they do not save phone records for longer than 30 days. On this call, I notified Chase that there was fraudulent activity on my account and I wanted the payment stopped. 
" If a business has a contractual agreement with a merchant and they present an ACH payment to your account, we only have a timeframe of 24 hours to attempt any recovery of the funds. When you filed your claim on XXXX XXXX for the payments, we were already passed our allotted timeframe. Based on this information and that you have had previous business with the merchant, your claim was denied and that decision remains the same. ''
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

The bank placed my check deposit on hold for a week. I deposited a check on XX/XX/XXXX, but the bank would not make the funds available until XX/XX/XXXX.
I have contacted the bank multiple times to resolve the issue, to no avail.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company is committing FRAUD. When I went on a trip in XX/XX/XXXX - XX/XX/XXXX, I called XXXX  to set up international calls when I arrived. The XXXX  from the XXXX that I spoke to assured me that they had set it up. I requested Global Travel Pass ( GTP ). The XXXX  said this was not an option and that I had to do the roaming. She said my only option was roaming and not the GTP. So I accepted what she told me as the truth. She assured me that she had set it up. So I was charged {$140.00} for one day, instead of {$10.00} a day for the GTP. I called the following morning and spoke to a XXXX  from XXXX who told me to just leave the roaming the entire 1 week trip and call when I get back to change to the GTP and that XXXX  would just remove the daily charges and only charge me {$10.00}. Both of these calls were on a recorded line. I told the XXXX  that I would not do that. He said it would not be possible to change to GTP because I was already in the country. I made him set up GTP and he was able to immediately set it up. So now another XXXX  representative has LIED to me on a recorded line. XXXX listened to the first call and claimed that I was given accurate information and that it was my fault so they would not remove the charges. It is clear that XXXX  is LYING and committing FRAUD with these charges. 

I will not pay this collection. This collection is FRAUD and I have a lot going on so I'm not spending my money on a FRAUDULENT charge. XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act. XXXX ( Account XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Maury Cobb, Attorney at Law, LLC (IL)

I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to XXXX, who then sent it over to their attorney office, Maury Cobb located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called XXXX in order to dispute the debt. XXXX told me that I had to go through Cobb for anything further since the account was transferred over to them. I have now been in contact with Cobb for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called Cobb 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in Cobb 's hands that they need to be the ones to send me a dispute validation. Cobb 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I attempted to purchase a sample product from the XXXX XXXX cosmetic line. When I completed and submitted my information, the notification indicated the company as XXXX XXXX. When I realized I was taken/defrauded there was no way to cancel the order. The initial charge of {$4.00} was charged to my credit card. Ten days later I was charged {$98.00}. I contacted Chase and notified them of what happened and directed them not pay the charge. I was assured the charge would not be paid. However, after five months of waiting on the credit and calling every month, XXXX XXXX at Chase indicated I had to start the process all over again and submit my issue in writing. Since XX/XX/XXXX I have spoke to XXXX different Chase employees and I was told each time that they were sorry about their error and assured me the credit would be posted to my account. Now five months later I have to start all over again. When I asked to speak with someone in Management, XXXX informed me that management does not speak to Chase Card holders and he had the final say - which was start the process all over again. After five months of explaining what happened and Chase employees assuring me the credit would be apply to my account, why did Chase lie to me? XXXX XXXX made it very clear that Chase has no intention of assisting me in this matter. XXXX has all my information. XXXX can directly come after me for reimbursement if they truly felt they had a case against me. However, with Chase paying these erroneous charges, it only supports these companies scamming consumers. Once again, Chase refused to honor my request and paid this charge. I should not be held responsible for this charge. Chase should have honor my request not to pay this charge and my account should be credited {$98.00}.
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (TX)

I received a bill from Commonwealth Financial Systems on XX/XX/2017. This letter was dated XX/XX/XXXX. I spoke with XXXX and explained to her that XXXX was an " umbrella name '' for every doctor, hospital, lab and clinic over a vast area of Texas. She did n't have the itemized information I needed, so Iasked her to please mail me a detailed bill so that I could verify it was mine and then I would pay the bill. She said it would just take a few days. A week later I 'm calling back. I checkcreditXXXX XXXX report and I have another bill from the same company for {$1000.00}. I spoke to XXXX and he said it shows that both of those statements are ready to be sent out but he did n't know what the status was on them. XXXX is horrible about selling debt to XXXX different agencies. At this time I can only assume that neither invoices are mine, and respectfully ask they be taken from my credit record.
Consumer complaint received 2016-09-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a monthly paycheck into my local Bank of America ATM on Saturday, XX/XX/XXXX at XXXX in the amount of {$1700.00}. {$300.00} was available immediately, and per my online app, the balance of the check would be available Monday, XX/XX/XXXX, as I am accustomed to. I used my ATM card to make a purchase today, Monday afternoon, XX/XX/XXXX, and my card was declined. I called BOA to ask why my money deposited on XX/XX/XXXX was not available, and they said it would be available on Tuesday, XX/XX/XXXX. Since I have been with BOA since XX/XX/XXXX, I know this is a departure from practice, since when I deposit a check on the weekend, it is available on Monday, the first business day. I spoke with XXXX customer service staff who both sympathized, but both said the check would n't be available until XX/XX/XXXX, 4 days after the deposits. They both stressed there is no hold on my account, it just takes that long to process my check. This is a check I have deposited monthly for 14 years, issued from the State of California. I asked both customer service staff what has changed, and why was n't I informed, and they had no answer. Perhaps cfpb can help me navigate this, as no one has answers, and this is clearly not right.
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

There is an amount of {$630.00} on my XXXX that shows on my credit report that i think is a mistake, it does not show on my XXXX report, i am not sure but it could be a XXXX bill that my insurance probably paid late but it was PAID. If it is, how do i dispute it or make it disappear from my report, there is no phone number for me to contact the collection agency or so. Thank you
Consumer complaint received 2017-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CT)

Please review my original case # XXXX. It was closed after a response was sent in from XXXX XXXX XXXX of Fed Loan Servicing. Please do n't close this case out until my issue is resolved. The original issue is not resolved, and it does n't make sense for CFPB to close out the case if they receive a letter from a Fed Loan Servicing Vice President. 
Fed Loan Servicing recently sent me an updated service history showing XXXX payments qualifying towards the PSLF program, better than the XXXX they had on file before I asked for an audit, and better than the XXXX they dropped me down to once the audit started. XXXX " qualifying '' payments are needed to forgive my loans, meaning I have to send in the amount due in total each month. XXXX payments were marked as non-qualifying as " full installment was not satisfied ''. Fed Loan Servicing intentionally shorted the amount due ( in bold print ) so I wo n't be able to reach the XXXX qualifying payments. Please review the attached documents proving the Fed Loan Servicing sent me XXXX incorrect monthly " payment amount due '' invoices. All XXXX payments are off by a total of {$3.00}, and I would be willing to pay the {$3.00} to get these XXXX payments into compliance. 
There is more to the story, so please read the attached word document and see scanned in images of the invoices in question. XXXX payment made to XXXX, the servicer prior to Fed Loan Servicing was XXXX PENNY short back in XXXX/XXXX/XXXX. I am requesting that Fed Loan Servicing produce the invoice so we can see if that contained an incorrect amount due total. 
Fed Loan Servicing Borrower Advocate XXXX XXXX was assigned to work with me. I am corresponding with Senator XXXX XXXX 's office. I have made a complaint to the XXXX Ombudsman 's office and submitted a complaint at XXXX feedback center. 
Something is not right at XXXX and PHEAA 's Fed Loan Servicing. It is like they do n't want me to make the XXXX necessary payments. At no time have they put me in a past due state when the numbers did n't match up. Serious attention should be given to this, as a lot of people are going to be putting in for XXXX starting in XXXX XXXX. They are going to have a rude awakening to PHEAA and Fed Loan Servicing.
Consumer complaint received 2017-01-13
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.