davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account is closed since XX/XX/XXXX yet they are reporting no payment history yo Transunion which is effecting my credit score. This account should be removed from my Transunion credit report. 

Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type XXXX MortgageAccount Status Closed - TransferredOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 324 MonthsMonthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXX Status CurrentWorst Payment Status UnknownDate of Last Payment -- Amount Past Due $ XXXX 30/60/90 Days Late XXXXRemarks Transferred to another lenderCreditor Contact DetailsXXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2015-07-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I attended the XXXX XXXX of XXXX and XXXX in XXXX Illinois. When I applied for student loans I was told my parents income was too high to qualify for federal loans, even though they were unable to help pay my college tuition, and was forced to take out Private Student Loans through XXXX XXXX. Upon graduating I was unable to repay the loans so I was forced to defer them. Eventually I began to make payments, around XXXX dollars a month. I have been paying the loans on time for over a year now and without warning they have now began taking an additional XXXX dollars out bringing my monthly payment to over XXXX dollars a month. When I called they told me it was because of added interest. When I tried to look into reducing my monthly amount they told me there was nothing they could do for me because I have cosigners. My cosigners are my grandparents, who are not able to help financially, nor would I expect them to, and my aunt who also is not able to help. They are unwilling to work with honest people who want to pay off their depts and continue to up the monthly payment without any type of warning.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One decided to restrict my account requesting additional information. This information has been sent to their office numerous times. To date, I have receive no reply despite them taking {$1300.00} from my account on XXXX XXXX with no response as to why when I sent them a dispute letter to the address on my statement. In addition I have XXXX points on the account worth {$700.00} that they will not allow me to redeem. Finally, despite all of the above they are assessing me a {$59.00} membership fee applied to my account on XXXX XXXX. I would like my {$1300.00} refunded in addition to the {$700.00} worth of points refunded. I would also like either my account to be unrestricted or the {$59.00} membership fee to be removed as I should not have to pay a membership fee for a product I can not use nor receive any replies from the inquiries sent to the company.
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (CA)

Reference : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXXAPN XXXXI XXXX XXXX am the legal owner, with recorded property rights, fee simple, absolute paramount interest to the marital property, community property, A grant deed and order from family law has been perfected in the registry of deeds. 
XXXX XXXX XXXX, ( XXXX ) XXXX which it call center is stationed in XXXX XXXX, and also holds an address at XXXX., XXXX XXXX XXXX, whom was spinned off from OCWEN Loan Servicing , LLC . 
Both OCWEN and XXXX claim they have a right to sell our family home online world wide web thru XXXX, and has connect our home to property I. XXXX XXXX. 
I have researched XXXX XXXX registry of deeds and did not locate any instruments that would give authority to OCWEN and XXXX to sell our home. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXX is an awarded asset in family law, the order has been perfected. 
I believe that a fair solution is to identity clean standing and produce true and genuine instruments ; A fair settlement, not just take my home. 
Comply with Consent Order and Homeowner 's Bill of Rights. 
It appears that my order from family law and discharge order bankruptcy has been refused by both parties. I provided all the required information, such as order from Family Law, Discharge Decree Chapter XXXX, Declared Homestead, Grant Deed, repeated times within the stated timeframes, no response or progress was ever made. 
To my knowledge Ocwen Loan Serving , LLC also XXXX have not filed any documents to establish foundation and enforce a debt, much more threaten to seize our family home. 

I request for a full, fair and complete investigation, under the supervision of an assigned Independent Case Examiner.
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On or around XXXX XXXX, 2015, I applied for the Capital One credit card directly through their website ( www.capitalone.com ). I carefully read through the disclosures and compared each card 's fees and APR rates before making a selection. I chose the " Capital One Platinum card '', because it was being marketed as " annual percentage rate 0 % ( APR ) for purchases for the first year and no annual fee ''. I was immediately approved for a {$3000.00} credit limit. On or about XXXX XXXX, I used the card to pay my rent of {$800.00}. On XXXX XXXX I paid {$150.00} toward the balance prior to the cycle ending. On or about XXXX XXXX, I called to make a payment with customer service again, but was told my payment was not due until the XXXX of each month with a min of {$25.00} due and to wait until the next billing cycle. On or about XXXX XXXX, I called customer services to make a payment and the automated system reported I owed over {$800.00} on the account with a min of {$73.00} due. I immediately spoke with a live customer service rep who reviewed the account. She reported I had a late fee, and interest on the account that has occurred from the last two months. I asked for an explanation since I applied and was approved for the 0 % APR. The representative reported " I see you did apply for the 0 % APR, but was denied ''. I asked why I had not received a statement and or other forms of verification regarding this and why was I approved for the high credit amount and not the low APR rate? I requested that I speak with a supervisor who can explain why I was not informed of this change and the fees associated with the account. After spending over an hour on the phone, with a reported supervisor he reported " Capital One ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS clearly state why I was denied ''. I asked him to guide me to the exact paragraph to which he was reading from online. The supervisor outlined " With respect to this offer, I acknowledge that : Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards ''. I questioned what exactly the Capital One 's credit standards was and how it is used to define my creditworthiness? The supervisor easily became irritated with my request and threaten to discontinue the call and then hung up on me. I called back several minutes later with hope of someone defining the Capital One 's credit standards. I reached another representative who was eager to find out what it meant as well. He could only confirmed that the Capital One 's credit standards is their internal underwriting policy. I fear that with such policy in place that prevents consumer 's access of making informed decision that Capital One 's credit standards is a deceptive marketing and enrollment credit lending practice. Such practices raise the alarm of unfair billing and discriminatory credit card practice.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent XXXX certified letters in reference to XXXX XXXX and XXXX accounts to remove the verbiage that I disagree with dispute. I said I DO NOT DISAGREE, so there is n't anything to resolve!!! Today they were both added back, why???. 
XXXX - " Dispute resolved ; customer disagrees '' XXXX XXXX - " Dispute resolved ; reported by grantor ''
Consumer complaint received 2015-07-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have had a mortgage for 13 years with Bank of America. I was late with my payment for XXXX 2015 but had properly submitted the payment with late fees through the Bank of America online mortgage payment tool. The payment was accepted for the date of XXXX XXXX, 2015. I just received on XXXX XXXX, 2015 a letter from Bank of America stating my mortgage loan has been transferred to XXXX and saying that Bank of America has cancelled my payment. The letter is dated on XXXX XXXX, 2015 but I received it almost 10 days later. I have no information from XXXX and I fear that my home is now at risk. I can not reach anyone at either Bank of America or XXXX because all of this came to me on the weekend and it is outside normal business hours. This is absolutely irresponsible and can not be legal or ethical to FAIL TO COMMUNICATE in ADVANCE a loan transfer.
Consumer complaint received 2015-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BB&T CORPORATION (TX)

I filed necessary forms for a Deed In Lieu of foreclosure with BB & T loan number XXXX on XXXX XXXX, 2015 after condition of property being listed for 90 days was satisfied per their policy. i have had no response as to status and have left several voice mails with XXXX XXXX at BB & T for update with no response. 
She was the loan officer that advised me on my initial submission of requirement of listing the property 90 days prior to resubmitting the paperwork. 
I ha e also requested a copy of the entire loan file for investigation of why XXXX appraisals were ordered at my initial loan application. No response to that either!
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding , LLC a collection company is listed on both XXXX and XXXX credit bureaus as a collection account for XXXX dating back to 1999. The original creditor was XXXX with whom I had the telephone account. XXXX was not able to provide documentation as to why I owed on this account. I had XXXX phone service for many years and always paid for my phone service. I could pay this and make it go away but I do n't think it is fair that they are pursuing collection activity for something I do not owe.
Consumer complaint received 2015-07-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX of XXXX we were referred to XXXX XXXX at Wells Fargo Bank for help applying for a home mortgage. We explained that we have a foreclosure in XXXX and credit card debt. XXXX assured we were eligible for a mortgage, emailed a pre-approval letter and encouraged us to begin looking for a home. We found a XXXX home in XXXX XXXX of XXXX, which we bide on and our offer was excepted. We contacted our attorney and arranged for a home inspection. At the time we lived in a rental in XXXX so I flew to Il to see the home before turning over {$1000.00} in earnest money. We paid XXXX for the home inspection and emailed copies to Wells Fargo and our attorney in XXXX. We hoped to close in late XXXX or early XXXX as our lease would end XXXX the XXXX. We checked in with XXXX XXXX weekly and were assured that everything was fine, but at the end of XXXX were told that the underwriters had rejected out application. The foreclosure had to be three years old for us to be eligible for a home mortgage. I question why we were not informed of this from the beginning. We were devastated, our lease was almost up, we had no where to go and our money was tied up in escrow. We requested our money be returned and the real estate agent informed us that she need a formal letter of rejection from Wells Fargo which I requested. XXXX informed me that the letter had to come from the corporate office and had no idea how long it would take to get it. I waited two weeks and called the corporate office my self. The response was quick, the manager called me back the same day. They told me no one had requested a rejection letter on our behalf from XXXX. The letter came the next day and I had my escrow money by the end of the week. I want to know why mortgage agents are being allowed to give out false information. I would like to be reimbursed for the cost of the home inspection ( XXXX ) and travel to XXXX ( XXXX ) to look at home Wells Fargo had no intention of giving us a mortgage for. I understand nothing can be done to pay for the mental anguish this process has cost us but perhaps can learn from our experience.
Consumer complaint received 2015-07-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Collection Connection (CA)

In 2011 I spent about a month in XXXX XXXX in XXXX XXXX XXXX. They operated to relieve a problem with my XXXX XXXXMy hospital and doctor bills were paid by XXXX and XXXX. 
XXXX XXXX XXXX was XXXX of the doctors who attended me during my stay. 
I recently found out that XXXX XXXX claims that I owe him {$5000.00} and he has placed me in collection. 
I do not see how this can be. XXXX XXXX and all the others were paid by XXXX and XXXX
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

This company is reporting false negative information about me to banks and credit card companies and it 's interfering with my being able to open an account. When I contact the company, they are rude, insulting, unprofessional and provide no help whatsoever. They are also very insensitive towards me and the problems this is causing. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to banks. They do n't care about anyone but themselves. There are virtually XXXX of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewXXXX
Consumer complaint received 2015-07-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

XXXX XXXX is claiming a medical service performed in XXXX during the XX/XX/XXXX-XX/XX/XXXX time frame is mine. I live in XXXX and had not visited the state of XXXX in XX/XX/XXXX or anytime before that. I have had no medical services performed at XXXX ( or XXXX for that matter ) nor have I ever visited XXXX hospitals anywhere else. Furthermore I have had insurance coverage through an employer sponsored medical program most my adult life ( including the XX/XX/XXXX-XX/XX/XXXX time frame ), and would not have elected an out of pocket service. The debt XXXX is claiming is not mine and needs to be removed from my credit report immediately.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion has an account named XXXX on my credit report twice and I am in no way affiliated with this account. I have requested proof of debt from this company on several occasions and have received no response. I did not receive this and I did not sign for it. I would like this account removed from my credit report immediately.
Consumer complaint received 2015-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC (AZ)

I received correspondence from Central Credit Services LLC dated XXXX XXXX, 2015, XXXX XXXX XXXX about a debt to XXXX for {$110.00}. I had no idea that I owed this, as this was the very first thing I have received about this debt. In this paperwork it stated that if no payment was made that this would be reported to the credit bereau in 45 days. I made one payment on XXXX XXXX, 2015 for {$25.00} and was just about to make another payment when I received an alert from XXXX XXXX which alerted me to this being reported. This should have never been reported since I made a payment before the 45 day period had ended. I contacted this collection agency twice about getting this removed from my credit reports and both times I was denied. I paid the balance owed on XXXX XXXX, 2015 which was {$94.00}. My point here is I made a payment before the 45 day period ended and if you really want to get technical I paid the entire balance within the 45 day period. 45 days from XXXX XXXX is XXXX XXXX. I feel I am being treated unfairly and I would like this removed from my XXXX, XXXX & XXXX reports.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

These XXXX XXXX XXXX loan accounts are appearing incorrectly on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been XXXX discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been paid/forgiven/discharged and closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged/forgiven from my name. 

XXXX XXXX had transferred the accounts to multiple departments before they were forgiven, so I had an extremely difficult time getting this information. 

These accounts are reporting incorrectly, and are negatively affecting my score. I have sent in documentation and disputes to Experian a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

I feel that Citibank did not help me as a consumer. I did a purchase that i I never received but a contract andthey refuse to stand behind me. I read on one of my credit card disclosureif your not happy with a purchase you can return it. in so many words. 
I had purchase from XXXX and I feel I was scammed and Citibank didnot help me get my money back. I never used this program or itemthey sold me I had sent a letter to cancel within the 3 days but theysaid it was late regardless I tried to cancel over and over again. 
I will pay a small fee for canceling but I do n't feel they should keepmy XXXX dollars. I never used them and never will. while on theship other people that was in the presentation agree it was a rip offand me like a dummy was rushed thru it and fell for what the salesguys said instead of reading the whole contract because we weregetting on a cruise ship is how they sold XXXX so we did cancel itafter reading it but Citibank refuse XXXX allow us to cancel it or help uscancel they just believed this lieing company called XXXX travels checkthem out you will find a lot of people did they same the thing I did waspay it in full with my citicard and they are not no help so I refuse to payanymore for something I did not receive full service from XXXX I do n't havemoney to throw away. I tried to cancel a number of times with thecompany and Citibank and no one helps me as a consumer. 
it is fraud and a scam help me out please get this resolve. once we gotoff the ship we sent a cancellation letter.. we did all we could toresolve it
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the attached Claim XXXX, I paid the entire Proof of Claim student loan through a trustee of the US Bankruptcy Court for the XXXX District of Florida. The below NOTES are in the PAYEE NOTES of CLAIM XXXX of my subject case number. It is plain as day that XXXX XXXX sent to the trustee, XXXX XXXX XXXX XXXX, a notice on XX/XX/XXXX to transfer the student loan to the Florida Department of Education. Then on XX/XX/XXXX the Florida Office of Student Financial Assistance sent a notice to the Trustee, XXXX XXXX XXXX XXXX, to transfer the Claim XXXX Student Loan to XXXX. The following is a direct copy from my Chapter XXXX case : PAYEE NOTESXX/XX/XXXX COMPLETED NOTICE OF CHANGE OF ADDRESS. BRXX/XX/XXXX REVIEWED NTC OF TRANSFER WITH WAIVER FROM FLORIDA OFF OF STUDENT FINANCIAL ASST TO XXXX. UPDATED TO REFLECT..FWD TO BR TO REVIEW ... ASXX/XX/XXXX RCVD NTC OF TRANSFER FROM XXXX XXXX TO FLORIDA DEPT OF EDUCATION. UPDATED TO REFLECT ON XX/XX/XXXX. FWD TO BR TO XXXX original creditor, XXXX XXXX transferred XXXX XXXX loan to the Florida Dept of Education and 3 months later the student loan was transferred to XXXX. Upon discharge of my Chapter XXXX case, I received a letter from XXXX that I was in arrears on the student loan payment to a service provider XXXX. XXXX is not listed as a creditor on my Chapter XXXX case, but has acted as a debt collection agent for XXXX. My attorney advised me to look to see if there were any " Unclaimed Funds '' in an account with the US Bankruptcy Court for the XXXX District of Florida. There are in fact {$2600.00} in that account as shown in the XXXX attachment. On XX/XX/XXXX, XXXX filed an Application for Unclaimed Funds shown as the XXXX attachment. Additionally XXXX informed me by email letter, the XXXX attachment, that they were asking XXXX to return the loan and that I should dispute the erroneous claim by XXXX on my XXXX credit report bureaus XXXX, XXXX and XXXX. My contention is this, why am I being penalized on my XXXX credit reports for delinquent payments on a student loan that I fully paid through the XXXX XXXX plan through a trustee of the US Bankruptcy Court for the XXXX District of Florida? The issue is obviously not with me but between XXXX, XXXX and the US Bankruptcy court for those funds. Yet my credit scores are in the low XXXX because of this and I have a black mark on my credit reports. And why is XXXX listed on my credit reports when they are not the creditor? This is a clear violation of the Fair Credit Reporting Act and Fair Debt Collection Act. This is a total fiasco.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Equifax reinserted a comment on my XXXX account " Dispute resolved ; reported by grantor ''. I DO NOT DISPUTE - PLEASE REMOVE VERBIAGE AGAIN. I sent two certified letters to have this removed, only to have it reinserted,