davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (PA)

My daughter is being treated for XXXX. XXXX bills were sent to collection that I was never notified about. Her insurance companies were billed. In XXXX instance, the hospital billed the insurance company incorrectly. They have since corrected the error and I recieved notice that the item would be removed from my credit but it has n't yet. In the other instance, the bill was in dispute and has since been paid. It should not have been reported as a collection. I learned about these collections when applying for a mortgage, my over XXXX credit score had gone down XXXX points because of XXXX collections that should have never been reported. It was a nightmare to get the creditor and the insurance agencies to resolve this. Talk about being kicked when your down, dealing with a seriously ill child and having your credit negatively impacted.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I had a credit card debt with bank of America, this debt was written off on XXXX/XXXX/2009, somehow a XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my ssXXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per bank of America .harassment from this law firm has gone on now 4 years.
Consumer complaint received 2017-02-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

For the last XXXX yrs. XXXX mortgage company has been servicing my loan collecting payments and has always provided a monthly periodic statement. In XXXX I received a notice from XXXX dated XXXX stating the servicing of your mortgage loan will transfer from XXXX XXXX Bank, XXXX. ( XXXX ) to Carrington Mortgage Services, LLC effective XXXX. Your new servicer will:1 collect and process your payments 2 : Send account statements and Annual tax forms 3 : Notify you of account-related issues and updates. This transfer does n't affect any of the terms of your loan, other than the terms directly related to the servicing of your loan. So on XXXX Carrington started collecting my payments which I send through my banks bill pay processing center. Since then XXXX - XXXX XXXX payments later I have not received a monthly periodic statement of any kind showing Carrington received my payment or how my payment was applied balance Etc. According to ( XX/XX/XXXX TILA servicing Final Rule ). Creditors, assignees, and servicers must provide a periodic statement for each billing cycle containing, among other things, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. These statements must meet the timing, form, and content requirements required provided in the rule. When I called contacted Carrington about my monthly periodic statement inin XXXX they told me since my loan was recently transferred over I should start receiving them shortly. So on XXXX XXXX still have not received monthly periodic statement I called Carrington and spoke with XXXX REP-Supervisor XXXX and asked about my monthly periodic statements. She told me I need to send a request in writing to there research dept. for my back statements and a request in writing to another department to receive monthly periodic statements. I know under The TILA servicing Rules they are required to supply me with this information. But will not.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (MD)

Convergant Outsourcing LLC has reported a paid collection in which I did pay to settle the account with them for {$250.00} because I owed XXXX {$280.00} for a closed unpaid phone bill. Which was in XX/XX/XXXX when it was sent to collection for none payment..Convergent Outsourcing LLC has the account listed as opened on XX/XX/XXXX which is not accurate
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I had asked for a payoff on my mortgage from Ocwen. I was startled to see that there was a {$52000.00} line amount that was titled Share Waive Adjustment. I called them and they stated I was in default of my loan modification that I had in XX/XX/XXXX. I defaulted in XX/XX/XXXX due to using the Save the Dream program. My husband was laid off and I was trying to save our house. I received a XXXX for the {$52000.00} in XX/XX/XXXX. I called Ocwen to ask about the {$52000.00} and why would I owe it now. It was explained that they could not add it to the mortgage. The Share Waive is for a loan called a Share Appreciation Modification where the loan servicer is entitled to XXXX % of the appreciated amount less any capital improvements for 3 years. I had read that I can reduce the Share Appreciation with Capital Improvements, so I had asked them if I could, they told me no. We just completely remodeled the kitchen. I had asked why I had received a XXXX for this. They could not answer me. Can you help me find out if I really owe this or if the amount can be reduced?
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (CA)

Bbva compass has now charged me twice in the amount of XXXX to remove XXXX dollars for a California levy order. XXXX dollars have moved from my account to the levy order, but bbva happily charged me XXXX for transferring XXXX dollars. After there was a negative balance they charged me XXXX dollars for clear benefits which will cause XXXX dollars in overdraft fees.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my XXXX link went to transunion then to changes and found these inquiries that was added to my report that I did not apply for than it was removed, I never got a notification from transunion of these inquiries happening
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Account Control Technology, Inc. (MA)

Hello, I tried submitting a complaint earlier, I need to break it down into smaller complaints This complaint will deal with Account Control Technology Inc while my wages were being garnished by XXXX on the behalf of Federal Student Loans ACT sent me a letter demanding I pay this bill. I am that person i live at that address. I have never meet the person legally responsible for that bill. 

The person they wanted to contact was XXXX that is not me.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian has been incorrectly and inaccurately reporting certain information my credit report. The furnisher has referred me to the bureau. As shown in the attached screenshots, Experian lists these accounts as being installment accounts when they are not. They also list date of status as being XXXX and XXXX, respectively, yet the they 've updated monthly since the addition of these items to my credit report. They also list past due amounts and other history that the furnisher insists has not come from them. I 've attached several screenshots supporting my position.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this account is to old and is not verified I want to see the contract that XXXX XXXX has with this company that allows them to report to my credit that is my right I want to know how for sure they know I owe this debt I want the a the on sight notes when this company became a member I will not take a update in XXXX XXXX as proof that this company has my ss # ans address
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

Myself, XXXX XXXX, and husband, XXXX XXXX XXXX, have concerns on the unethical practices, honesty and integrity of the contractual agreement we are about to enter into with our servicer, Ocwen, and lender, XXXX. 
We are documenting these concerns in order for you to review their practices and to protect ourselves from any changes that our servicer, Ocwen, and lender, XXXX, may make in the future to this agreement we are about to sign. 
1. There is no mention of this interest rate being fixed or variable, even though we were told by our customer relationship manager ( CRM ) that it is fixed. 
2. Even though we had a verbal agreement stated by our customer relationship manager ( CRM ) of a 3.25 % interest rate, our loan terms stated 6.625 %. We believe that we were wrongly led into an agreement under false terms. 
3. I am concerned that our servicer, Ocwen, and lender, XXXX will decide later in the future that they have found an error and change the terms at their whim. XXXX.XXXX XXXX. There is nothing written in the loan terms that protects us, the borrower, from the unlawful and unethical practices of our servicer, Ocwen, and lender, XXXX. 
5. We are concerned that if we decide to sell our house or refi at a later date, that a written permission from our servicer is needed and they may have the right to deny a sale of our home. XXXX XXXX. There is nothing written in the loan terms that states there is no penalty if we so decide to pay off the loan in full before its maturity date, even though this was discussed with our CRM and she specifically stated that there is no penalty. 
We will attach the signed loan term documents for your review.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have disputed and requested debt validation from Portfolio Recovery Associates on an account I found on my credit report. PRA has not sent sufficient debt validation after XXXX sent certified mail return receipt. PRA has continued to report derogatory information to all XXXX credit bureaus. PRA has also failed to notify XXXX this account was in dispute until after 60 days when I notified them of their error. PRA is in violation of the FDCPA and is not reporting accurate information. As a consumer I am extremely frustrated trying to work directly with PRA as their business practices are not ethical or accurate. I will continue to dispute this inaccurate account until my voice is heard and action is taken. Thank you for your time! XXXX
Consumer complaint received 2017-03-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

We have been paying on a {$6000.00} loan since XX/XX/XXXX and still have a {$4200.00} balance. Payments have only been {$64.00}, but it appears this loan is being serviced like a credit card with the interest payment never getting any lower. Is this correct? Thanks.
Consumer complaint received 2016-06-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I had a private loan that had partly defaulted because of XXXX/Navient 's unwillingness to work with me with during a time I found myself unemployed. It was only after the loan defaulted that I was able to work something out with the debt collection agency, XXXX XXXX. The loan was eventually paid off as agreed under a settlement on XXXX, 2016. For several months I pleaded with XXXX the collection agency and with Navient to provide me with a letter that indicated the loan was paid as agreed. XXXX parties insisted that it was the other party who had to provide me with said letter. After many calls finally Navient sent me a letter on XXXX XXXX, 2016, but the letter as it is written is inadequate as it does not state in an unequivocal manner that the loan has been paid and completely satisfied. The letter they provided indicates that once the funds from the final payment clear, Navient would consider the loan fully paid. But my issue is that the final payment was made back in XXXX, 2016 and the letter was written in XXXX, 2016, I would assume that in 4-months time an electronic payment would 've had enough time to clear. I have called Navient multiple times requesting a proper letter that clearly states that I have paid the loan in full and as agreed but they are refusing to provide me with this letter, instead, and once again, they are redirecting me to the collection agency claiming that it is the agency that must provide such letter, but the agency fully rejects this assertion and sends me back to Navient. Every time I call Navient and request to speak with either a manager or their legal department their response to me is that they can only connect me with a supervisor 's voicemail and will not allow me to speak with their legal department. When I ask to get put through to leave the voicemail for the supervisor I am placed on hold and summarily get hanged up on, repeatedly. I have been getting the runaround for months now and have had it. Since they will not make this right I think it 's only proper to report them to the proper authorities in the hope that others will not have to endure the same heartache as I 've had to at the hands of this shady company.
Consumer complaint received 2017-02-19
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (IN)

I have a rushcard. I transferred {$630.00} from one rushcard to the other. It was a card to card transfer. Both cards are under my account. The transaction shows " complete '' on ny end but " failed '' on their end. Neither of the balances on the card reflect the {$630.00}. Therefore, I am not able to use any of th money. They told me they have to put it in manually and it wo n't be available to use for 1 to 2 business days.
Consumer complaint received 2017-02-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

HOME OWNER 'S LOAN I was unaware the Bank of America had place a lean on my property when I borrowed against my loan in XXXX of XXXX. In XXXX XXXX " Variable rate snapshot '' identified : " New outstanding variable balance of {$25.00} due on XXXX XXXX XXXX. 
I had to call them to find out the reason. It was a lean release charge for a loan in XXXX XXXX! 
It was never explained to me that a loan was required. It is probably somewhere in the fine print of the loan documents. 
The bank did not notify me the lean was placed nor did they notify me it was released. 
And I had my business and personal accounts with them. Both had balances well over the loan amount. I have a " Platinum honors '' account status with the bank. 
Not only is this poor business practice, it is SENIOR ABUSE. I was XXXX in XXXX and now am XXXX. How am I suppose to know this? This is the only loan I 've ever had other than a home mortgage which is long ago paid off. 
I called the bank twice and the refused to waive the charge. 
Will you please help me? XXXX
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was ever given to me which is also a violation. I am requesting that ALL inquires be removed. 

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 XXXX XXXX XXXX
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VA)

This is not my debt. I have reported it to XXXX and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
SOUTHWEST CREDIT SYSTEMSAddress:XXXX , TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXTAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XXXX/XXXXReported Since:XXXX/XXXXDate of Status:XXXX/XXXXLast Reported:XXXX/XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}
Consumer complaint received 2017-02-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Texas Guaranteed (MS)

On XX/XX/XXXX I signed for a XXXX loan for my daughter with Texas Guaranteed. in XX/XX/XXXX I filed Chapter XXXX in Mississippi and claimed TG as a creditor which they filed a claim for {$10000.00} which was paid in full and my case was closed in XX/XX/XXXX. I have received phone calls from TG that I now owe them an extra {$4000.00}. The case number from TG is XXXX. My attorney explained to me before filing that creditors would file what I owed them and once they were paid that debt was over. Desired solution is have them quit calling and recognize this is a settled debt by The Bankruptcy Laws. They are also not to affect my credit scores or report in any way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX email- XXXXXXXXXXXX Texas Guaranteed case - XXXX.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DC)

On XX/XX/2016, my accounts were closed by PNC bank branch located at XXXX, XXXX in XXXX in an unjust and unfair manner. This morning I met with the branch manager, XXXX, to determine why my Social Security monthly benefit was not available in either my checking or saving accounts. I talked with various bank representatives on several occasions to address a transaction that was flagged as fraudulent. In an attempt to help a neighbor, a wire transfer was deposited in my account on XXXX/XXXX/16 and returned on XXXX/XXXX/16. I incurred a return of deposited item fee on XXXX/XXXX/16 for {$12.00} ; continuous overdraft fees of {$7.00} on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XX/XX/2016,XX/XX/2016 ; and continuous overdraft fees of {$21.00} on XXXX/XXXX/16 & XXXX/XXXX/16. The total of these fees is {$89.00}. As on XXXX/XXXX/16, my saving account was charged off in the amount of {$210.00} and my checking account was charged off for {$290.00}. I still do not understand all the fees of how I owe PNC so much money! Previously my accounts have always been in good standing since their inceptions. I attempted to be accountable for the error of trying to help a friend and asked XXXX to deducted the amount owed from monthly benefit but he said " the Social Security Administration has flagged these types of benefits to not allow any of it to be used to pay bank fees ... and that is why the account was closed. '' I ended up sincerely asking XXXX bus drivers to allow me to ride for free because I did not have any money leaving the bank. Honestly, I have not had any money since XXXX/XXXX/16 & my birthday was on XX/XX/XXXX. I am a XXXX and my only financial account is- I mean, was with PNC . Now, I think I have to wait for a check to be issued and sent to me via snail mail ( I will address this matter tomorrow ). No one from PNC contacted me to tell me what was going on and as important, how to keep the accounts active and open. They just closed them and left me broke with tears! Please help & thank you in advance!!
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Contacted Trans Union and I was instructed to fax to the fax number below to send a letter which I requested to not add any Fraud or OFAC alerts without my written consent, which I faxed on XXXX XXXX, 2017. Trans Union has willfully and negliently added a fraud Alert anyways to my account. I have provided the letter sent to Trans Union including the fax confirmation page and blocked my personal signature information from the notarized information for my privacy protection. 

Trans Union XXXX Fax : XXXX File number:XXXX Attn : Consumer Contact dept Reason for calling : Remove Fraud Alert