davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

I got a  XXXX  vehicle from Santander Consumer back in  XXXX  the company I was working for went out business I spoke with several representative verbally they informed Me since I was laid off & volunteer returning the vehicle it 's okay this would n't effect Me that 's Not true I pulled My credit & it 's on there I have contact them & representative said it should n't be on there it 's mistake I was transferred to several different people 's & was given different details & the run around saying just make payment arrangements I said I refused to make any payments after I was verbally told Everything would be okay once y'all got the vehicle & then they did a charge off Santander  is  n't a good company after verbal agreement with Me I 'm not paying for a vehicle they have & knew My situation I was n't treated  far  & I 'm disputing this to be removed from My credit report.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (FL)

On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Rent Recovery Solutions, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX ph XXXX from XXXX XXXX. The letter stated they represent a company in which I used to rent from and that I had a debt of {$3000.00} Of course I immediately called and questioned the debt. I was given the I had a right to dispute but the dispute could take some time and the only way to avoid the negative hit to your credit would be to set up a payment arrangement. I was not buying it and said when must I do this by. I was given to the end of XXXX. I called back XX/XX/XXXX spoke to the same lady. I was actually going to make payments to avid my credit being hit while I disputed the claim. Well at that call I was told oops it looks like when you said you wanted to dispute it back on the inital call it sent you to the credit bureau. I was like what? how? you said I had options but now I have none. Well you can pay the debt and that will at least show a XXXX balance. I was like Im not paying for anything until I know what for and if its even mine. I pretty much hit a brick wall. I contacted several attorneys who advised me I had rights. I contacted credit experts who said for me to send a formal request for validation. I sent it certified along with a letter explaining why and what I was disputing along with a time line and the ladys name. They received it on XX/XX/XXXX and I still have not received a reply or and correspondence as of today XX/XX/XXXX. I dont know what to do. I have pictures and emails to prove that I owe nothing. However the collections says they do not accept pictures or anything only payments. I call invitations homes the original party and they wont let me dispute anything or even talk to anyone. Its like I am trapped and they are trying to force me to pay something I am not liable for without even providing me the necessary info to make a sound judgement call. NOW MY CREDIT IS HIT with a XXXX $ bad collection. Please Help! XXXX XXXX File # XXXX creditor : XXXX XXXX
Consumer complaint received 2017-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was out of work for a few months in XXXX. I contacted Bank of America to inform them of the issue. Still out of work, I chose to use a credit card to make my mortgage payment. After a couple months of doing this and seeing my debt rapidly increase, I stopped using my credit card. I regained full time employment in XX/XX/XXXX. I contacted Bank of America to inform them that although I 've obtained full time employment, I 'm still not capable to make full mortgage payment. I was told that due to my account being delinquent that I was being sent to foreclosure. I constantly tried to work with Bank of America. I involved NACA and Home Owners Assistance programs. I kept receiving information that stated there 's no proof I live in the property. To which, I told the representative that they all are more than welcome to come over for dinner and see differently. This went on for a year. I routinely submitted the necessary documents to prove my case. As of today, XX/XX/XXXX, I 'm about 22,000 behind in my mortgage and I still want my home. Bank of America is not willing to help me retain my home. Instead they either want the XXXX or the home will go to foreclosure. Because I am still getting the threats of foreclosure, I am choosing to save my mortgage payments in the event I am locked out of my home by the time I get back. Not to mention, the home is not worth NEARLY the amount I owe on it. Homes in the area have sold between XXXX and XXXX. I currently owe XXXX. Even if I choose to do a short sale, I 'll still owe more than the home is worth. To proceed with the foreclosure, the home has been appraised at only XXXX.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have had multiple issues with  XXXX /Navient as my loan processor.     First, here is some older issues I have had where I do not have much documentation of : I requested to have my loan taken off of any extended or reduced payment plans, and my monthly payment increased to approximately {$400.00}. Around 2 years later my payment jumped to approximately {$800.00}. When I contacted Navient to understand why I was told that it was because I was in a extended repayment plan which was never removed.     After this fiasco which likely has cost me thousands of dollars : I began making the payments of {$800.00} and have recently started paying extra into my loans in a desperate attempt to no longer have to deal with Navient.     I have ma de 10+ calls to Navient in the l ast 30 days. Each extra payment made on the website was incorrectly applied.       XX/XX/XXXX  - - Payment made in the amount of {$200.00}. The payment was split between  2 loans instead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the fu nds.       XX/XX/XXXX  -- P ayment made in the amount of {$50.00}. The payment was split betwee n 3 loans i nstead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the funds.       XX/XX/XXXX  -- Payment made in the amount of {$580.00}. The payment was split between all of my loans instead of  going directly to loan  XXXX  to pay off the remaining balance. The loan balance ended up being {$22.00}. I contacted Navient who apologized and correctly applied the funds and marked the loan as {$0.00}. I also requested that the minimum monthly payment amount of  XXXX  be added to the auto-pay amount of  XXXX . This was not correctly applied.       XX/XX/XXXX   -- The new auto pay amount was set to {$130.00} instead of {$150.00}. The customer service and supervisor were unable to explain to me why. The minimum/auto pay amount changed from {$800.00} to {$830.00}. The supervisor did not have access to view any reason for the {$30.00} increase. They sent a request to th e " Research '' group  with a turn around time  of 7 to 14 bus iness days. The " research '' group will not contact you back via phone with they are able to identify exactly where the {$30.00} increase came from. The supervisor refused to give me any tracking or identifying number for the interaction and request. I was told to call back to check on the status of the " research '' groups findings.     My call o n  XX/XX/XXXX  e nded with : " You have my word sir that I will send in a detailed request ''
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Payoff process — 
Company: STERLING JEWELERS, INC. (MI)

Thank you for taking the time to read this letter. 
I 'm writing because I noticed that my most recent credit report contains late payment reported on 30 DAYS XX/XX/XXXX, for my KAY JEWELERS CARD # .XXXX.I have contacted customer service on XX/XX/XXXX to remove that reporting from all XXXX major credit reporting agency due to the error but Sterling Jewelers Inc- Division : Kay Jewelers Customer Care refused to remove the reporting. ( Assigned request id XXXX for that communication ). During that communication I have informed Sterling Jewelers Inc- Division : Kay Jewelers Customer Care Department the following : when I made a purchase on XX/XX/XXXX, I was told by the sales person no payments or interest for 6 months. In XX/XX/XXXX I started receiving phone calls from the bank Sterling Jewelers Inc- Division : Kay Jewelers. They were asking about the payments. Soon after that I made a trip back to the KEY JEWELERS STORE in XXXX MI. To my recollection the store manager was on vacation and I was told that I have to wait for the store manager to get back to work. Once the store manager returned to work I made another trip to the store. Manager stated that they have not had that promotion and she is not sure why the sales person informed me about it. Manager attempted to convince me that it was a misunderstanding between me and the sales person. Immediately after that I made a payment and I was current and on time with all payments and paid off entire loan.
Consumer complaint received 2017-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (AL)

I was told by  XXXX   XXXX   XXXX   of    XXXX   XXXX   XXXX    that I would have a free appraisal if I used   XXXX   XXXX   for my loan.I later was told by my loan c onsultant  XXXX   XXXX   XXXX  that I will be rguired to pay for my appraisal and if I wanted to be reimbursed by   XXXX   XXXX   it would show up as a credit at closing and I would have to pay a higher interest rate for the loan than t he one lo cked in-these are misleading and deceptive practices and where I come from it is called a lie.this is an unethical loan broker and should be investigated for this other malfeasance.I will be taking this complaint to the government mortgage regulatory agency handling oversight of these companies.
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent Midland Funding a certified letter disputing an account on my credit report XX/XX/XXXX which they signed for XX/XX/XXXX at XXXX XXXX They did not respond to it. Therefore I sent them a second letter XX/XX/XXXX which they signed forXX/XX/XXXXat XXXX XXXX Thus making it two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by Midland Funding. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have refused and failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$1300.00} per their letter dated XX/XX/XXXX. My credit reports from all three credit bureaus show an amount of {$1300.00} listed under Midland Funding and or Midland Credit Management Inc. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the XXXX with the required disclosure, within the period required by law. Midland Funding is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period. Midland Funding is liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I 'VE HAD CALLED TRANSUNION ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (KS)

I have a private loans through Navient that I have n't made any room on the past 6 years. I originally took out XXXX and I currently owe XXXX. I have paid over XXXX on my loans and XXXX has gone towards interest. I am currently paying XXXX % of my salary. I feel like my loans were built up from the original amount and I do n't know why. I had a few of my loans change interest rates from 7 % to 13 %. I am very confused on what is going on. I have contact them about consolidation but was told over the phone that I ca n't do this will private loans. I offered to pay a settlement of XXXX and they refused to speak with me about this. I was told they will find a way to get the remaining back from me. I tried to contact the CEO about this but nothing back from them. I feel like at the age of XXXX when I took out these loans I was taken advantage of and now I am stuck.
Consumer complaint received 2017-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have tried to make additional principal payments to my Bank of America home equity line of credit. The interest and a small amount of principal are deducted electronically each month from my BofA checking account. From time to time I also send in payments of additional principal. I note on the payment slip that it is an additional principal payment.     Each time, the bank applies the additional payment as the next monthly payment and does n't take the electronic payment from my checking account. I 've tried multiple times to get them not to do this. To no avail.     Each time I call the " customer service '' number on the HELOC statement, I get the credit card department and it can take  up to 30 minutes ( record is 38 minutes ) on h old before I speak to someone in the right department. In other words, there is no " customer service '' at BofA.
Consumer complaint received 2017-01-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

My wife and I have several IRAs with PNC Bank. We have had trouble with this bank when we moved because they can not get a simple address change done. Apparently when the address is changed it does not get to all their systems, and they continue to send statements to an old address. The current address problem started when we moved and changed our address in approximately XX/XX/XXXX or XX/XX/2013. PNC assured us several times that the address change was done on all of our accounts, however they continued to have the old address on some accounts, and sent out mail to our old address. This involved numerous calls to PNC customer service and at least two corporate complaints, and hours of frustration for my wife and me. Each time they " assure '' us that they have the correct address on all accounts. The problem with that is our statement ( s ) are mailed to the old address, which is a highly concerning security issue with us. This year our end of the year statements arrived on all our IRAs except for one of my accounts. My wife called PNC IRA department, this month with my permission to discuss and handle anything regarding my accounts, and they still showed the old address from XX/XX/2013 on this account! My wife handles our business and I always give the bank verbal permission on the phone for them to talk to my wife. We have been trying for 4 years to get this right! We have again complained to PNC and have been assured someone will call my wife back to let us know the problem is resolved, but they have not. A follow up call still did not get a response. With our experience in the past 4 years, we doubt that they will get it resolved. Four years is a long time to have something as basic as an address change not done correctly. The problem has to be systemic. The problems in the past have sometimes been explained as caused by the fact that we have a P O Box. We have always given our home address which we understand the bank must have for their records, however we have requested all our mail go to our P O box. Another time they said the change did not get done in the IRA department. Other times, no explanation was given. The formal complaint I have done this year with PNC has a complaint number, which we can provide to you otherwise in this process, to protect our privacy. I urge you to investigate this thoroughly because if we have such a chronic problem with PNC address changes, other people must be having the same problem. I give permission to your agency to discuss this complaint with my wife.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

On more than one occasion, my bank has charged my wife and me an overdraft fee on our joint checking account without an actual overdraft occurring that we can see in our records. When this " overdraft '' occurs, the bank puts charges our bank credit card, although we are not overdrawn. In addition, we are charged a separate overdraft fee. When this happens, we are required by the bank to come to a branch and show that our account is not overdrawn, and the bank takes the charge ( s ) off the account. We have been dealing with this for approximately three years, and it 's frustrating and time-consuming. My real concern now -- and the reason I am contacting you now -- is that the bank is most likely making the same unwarranted overdraft charges to a lot of their other customers. This most recent time I captured a screen shot photo of our account showing that there was still sufficient funds and their activity including charges ( see attached ). Thanks,
Consumer complaint received 2017-01-25
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MT)

i repeatedly tried to contact midland funding llc about a settlement of a XXXX credit card bill they never returned my calls are contacted me instead they turned it over to a law firm for legal action i contacted the law firm after numerous attempts finally got ahold of someone and made arrangements to pay XXXX to settle this account which i feel is a ripoff of XXXX
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NV)

Hello- Equifax has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of e-OSCAR and the names and contact information be provided to me if Equifax chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Equifax in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX XXXX XXXX - XXXX 2. XXXX- XXXX, Paid directly to provider, proof of payment provided 3. Item listed as " NOT REPORTED-XXXX '', Not my account, unable to verify any creditor. 



We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Equifax. 

Thank you.
Consumer complaint received 2017-01-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have an unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Portfolio Recovery Associates , LLC claims that I owe. I requested that Portfolio Recovery Associates , LLC provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of this supposed debt. I demanded that Portfolio Recovery Associates , LLC remove any and all Tradelines that are reporting on my credit report with XXXX. Their response? They reported it to all XXXX credit bureaus. I 've sent them numerous letters and I 've called them several times. They claim they sent me a dispute affidavit but I never received one. I am extremely frustrated and upset dealing with them as I have been dealing with them for over a year. They are damaging my reputation and preventing me from buying a home considering my credit score is damaged. I have provided a copy of the latest letter that I sent them which they did not comply with as well. The letter I sent them was notarized and I have XXXX other notarized copies if i need to pursue this in court.