davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AZ)

I went for a mortgage, and found out that every time one of you does a " hard inquiry '' it affects my credit! That 's absurd! I 'm not putting anything into motion except... Can I get a home! This is so very wrong. No one 's credi should take a hit of any kind when you are trying to buy a home, auto, etc. I ask that all inquiries be taken off my credit report, and a new copy be sent to me via email : XXXXXXXXXXXX. Thank you.
Consumer complaint received 2016-07-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (VA)

I attended XXXX in XXXX, a 6 month intensive XXXX class that promised job placement as well as lifelong access to continue to attend classes and use the school 's equipment when available. The school closed without notice in XX/XX/XXXX and from what I 've been able to find online, they filed bankruptcy. 
XXXX I have been paying $ XXXX-XXXX a month since I graduated almost 10 years ago and I still owe over $ XXXX. I currently pay my loan to American Education Services who have refused to send me any information surrounding my account, claiming I selected a " paperless option '' for my bill therefore all documentation from them will only be paperless. My original loan was though XXXX XXXX, I do have the original contract if that is helpful at all.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America 's credit card processing organization processed a payment from my Bank of America account to make a payment to my XXXX XXXX account on XXXX XXXX. Bank of America lost the payment. I initiated an investigation into the payment that Bank of America lost on XXXX XXXX and was assured, by Bank of America, they would resolve the issue and find the payment they themselves processed. Meanwhile, on XXXX XXXX, the credit card servicing business transitioned to a new provider. As of today, XXXX XXXX, according to XXXX XXXX, the Bank of America rep with whom I spoke, Bank of America : ( a ) refuses to take responsibility for the payment they lost ; and ( b ) refuses to investigate the payment they lost. Bank of America appears to be angry at losing the Fidelity card processing business and now refuses any responsibility for the payment they lost.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (IN)

Southwest Credit System acquired a charged off account that I had through XXXX. They call me 5 or more times a day from various phone numbers. The majority of the times are robo calls and when i answer, it connects me to a live representative. They usually mask the phone number with an Indiana are code since I live in XXXX. The following is an example of what they are doing and this is just from XXXX XXXX. XXXX called 10 times, XXXX called 5 times, XXXX called 4 times, XXXX called 15 times, XXXX called 11 times, XXXX called 9 times and Unavailable called 6 times. There are other numbers and earlier dates but the above mentioned are the most recent. The times of the calls very during the day. For example XXXX ( XXXX ) XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XXXX., XXXX. and XXXX XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. This company has also put this debt on my credit report which I am trying to dispute. After reporting this, I plan on filing a written cease of communciation notice but I feel this company should be held liable for their collection actions. If any more information is needed please let me know. 
Thank You
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WESTERN UNION COMPANY, THE (HI)

My XXXX XXXX XXXX Account is being charged without my knowingly authorizing any transactions. I discussed the issue with the vendor and was advised the situation would be corrected ; the correction was process ; however, new charges that were greater then the original charges have been charged to my XXXX XXXX XXXX account.
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a new Citi regular checking account in XXXX 2016, with promotion code XXXX, to earn {$400.00} bonus for new account by depositing {$15000.00}. I confirmed my eligibility for this offer and the deadline for initial fund through contacting with customer service online. And I deposited {$15000.00} before the end of XXXX 2016. I maintained the same balance for 30 days and waited until XXXX. I contacted with customer service again in early XXXX to check when the bonus will be posted to my account. The customer service said it would be XXXX XXXX. But it was still not posted. I requested again on XXXX XXXX, however, they said I 'm not eligible for this promotion any more. I 'm disappointed about how could they reply with different answers before and after. I totally followed the required terms and confirmed with them before.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA has negligently refused to credit an unauthorized charge and told me over and over again that the account was correct. This has been going on for over 2 months. Today after being transferred over and over again I was finally able to walk someone through the error and they agreed but did n't know what to do. I am reporting negligence and gross incompetence of the USAA credit card company. Oh and after 2 hours on the phone with them trying to get it resolved they hung up. More incompetence and discourteous. Account has still not been corrected. Please point me to where I can receive e help in resolving this issues and do n't point me to XXXX because they are incompetent!! behavior.
Consumer complaint received 2016-12-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NV)

My wife and I have had an auto loan with ALLY Financial for almost 3 years. I pay this loan payment of {$1100.00} through XXXX Bill Pay. One time in the past I sent an extra {$1000.00} and ALLY applied it to future payments instead of the principal. When I called them about this they told me I had to send in the payment stub or call them to have to payment applied to the principal amount owed. In XX/XX/XXXX I sent the payment stub with a check for {$3100.00} and indicated on the payment stub and the check to apply {$2000.00} to the principal. I just received my next bill and the due date is XX/XX/XXXX in the amount of {$270.00}. I called them and was told that it was their policy to apply any extra money sent to future payments.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech informed us in a mandatory One Time Private Mortgage Disclosure that as of XXXX 2016 that our LTV ratio based on the original value of our property was 77.5 %. We called in XXXX to enquire why the PMI was still being charged to our monthly payments, when we have the legal right to Automatic Termination when the LTV reached 78 %. Customer Services could not give any information, refused to connect us to a supervisor or to a representative from the Escrow Dept, simply stating that all PMI termination requests had to be made by mail to the Escrow Dept. We therefore wrote to the Escrow Dept, requesting Automatic Termination effective as of XXXX 2016 and a refund of the PMI charges made since XXXX. The Escrow Dept responded by mail in XXXX that this request was denied because we had not authorized an appraisal, which would be at our cost. We again called Customer Service to explain that our PMI should have terminated automatically ( as our LTV of 77.5 % was less than 78 % ) and that we were not requesting cancelation of PMI, which we understand may require an appraisal or BPO ( and which would only apply when LTV is between 80 % and 78 % ). The Customer Service agent was again unable to provide any help at all, could not understand the issue and proposed that we write again to the Escrow Dept, who would respond within a month. 
Ditech is clearly not complying with the Federal Law regarding the process for cancellation or termination of PMI, and through either incompetence or dishonesty are illegally continuing to charge PMI when they should have automatically terminated these charges. Given the high number of similar complaints already made to the CFPB about Ditech, this would appear to be a systematic issue rather than a one off, and therefore we consider merits a Federal audit or investigation to protect the rights of all Ditech customers.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

I have a Judgement appearing on my credit report for Experian and XXXX. The Judgement was a court battle in which I had to pay my ex, attorney fees. This is not against me from a billing collector. Payments were not late and I paid the full amount as soon as I received the order. The Judgement was satisfied asap and was for attorney fees. I have no idea why this " Judgement '' from a child support battle would appear on my credit report or why my custody payments appear on my credit report. 
Thank you for any help.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting Notice of Rescission documentation attached.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reported to them twice now that my job history and addresses are wrong and want them removed. They 're still on there. I just looked again today. I see all these California addresses. That is a relative. NOT ME. Please remove!!! I have never even been there or used those addresses. I never worked at XXXX either. And that XXXX number I have never seen it. I wanted that removed and the XXXX number is my ex in laws phone number. Please remove it too. the XXXX was disconnected when I got a cell phone approximately 10 years ago but they wo n't remove it either. I would prefer my number not be on there at all. I just had to file a complaint because someplace called me stating they were a debt collector and was threatening me with jail. Long story short the XXXX said they pull your credit report and get your number and enough facts from your report that they call and harass you. So please remove my number too XXXX.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified.that I have disputed.Please resolve this manner as soon as possible.Thank you.
Consumer complaint received 2016-06-27
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (NJ)

I 've been getting called multiple times a day after I paid XXXX $ XX/XX/2016 saying that was the past due amount to clear my account. apparently I still owe XXXX $ an have basically being harassed about this after I was told the XXXX would bring me up to the date of my next payment which is XXXX XXXX 2016. I 've also told these people of my situation multiple times. I 'm on XXXX leave an have been having problems with the State since my paper work keeps having problems or getting lost. I also have a good payment history and this has never happened with me before and they have n't helped me in anyway to come to a solution.
Consumer complaint received 2016-10-25
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

My name is XXXX XXXX, on XXXX of XXXX 2016 i transfer the amount of XXXX Us Dollar to my father in XXXX through Money Gram and Today is XXXX of XXXX 2016 and he still not yet received, he went to more than three Money Gram agency they told him there is no transfer under this name, now been tow Days trying to find out whats the problem? the costumer service person keep saying is on hold because of verification when i ask why she said is because of money laundry, i asked what i should do? they said that the receiver need to call the Money Gram office in XXXX to verify his identity, the receiver try to find a contact number he could n't find it and i called 3 times this morning to get costumer service contact number they gave me this XXXX and the other lady gave me this XXXX none of these contact work?! when i ask i wan na cancel the transaction they wont cancel it unless the receiver call and get verified, i ask for a manger so can provide me with more info they refuse to escalate the call to a manager. 
i been sending money through XXXX XXXX for years i never experience such a horrible miserable horrible experience and trashy nasty costumer service, am frustrated angry mad because the person waiting for money for medical propose.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

I requested my free annual credit report from Experian. I got a message saying, " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Requestform. '' As this happened on repeated attempts over several days, I began to see a pattern. This is the third year that I have been unable to obtain my credit report on line from Experian. This has also happened to me with Equifax. The circumstances are the same. I believe the credit reporting companies are discouraging people from using the on line report service. They direct you to print a paper form and provide XXXX forms of paper Identification. Most people, I believe simply throw up their hands and give up when faced with the additional requirements. 

Please investigate this apparent abuse of the Free Credit Reporting Act.
Consumer complaint received 2017-01-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Revenue Corporation (TX)

I have not received any validation documentation from United Revenue Services. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After filing for modification review and waiting for more than a year for a resolution, Bank of America finally sent me a modification under the XXXX program and they miscalculated the income. For this modification, Bank of America calculated the household income to be {$6900.00}. Based on that income, they came up with monthly mortgage payment under the XXXX program to be {$2100.00}. {$2100.00} was the payment that we could not afford and fell behind on. As you can see, did used the payment by {$12.00} and considered it affordable. That is insensitive and cruel and a joke especially after waiting for more than a year and going back and forth with them. If the household income was what they say was, there was no reason for us to fall behind on the mortgage.. We fell behind because he was unaffordable. 

Our household income consist of {$400.00} of my payroll income and for the {$4500.00} contribution from my son. Based on that, the household income is {$4900.00}. Please help me correct this error and help me get Bank of America to rearview us for the modification. 
I am also very concerned that Bank of America has been playing a lot of games and not doing things as they are supposed to according to the treasury guidelines in meeting timelines. All the programs are expiring at the and of XXXX and I am very concerned about them not doing this modification and forcing me into a foreclosure. Please help me get this done right.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CT)

While attempting to buy a car XX/XX/2014, I discovered ERC was the only negative item on my credit report. Called ERC to find out who they were, they said they collected for XXXX. They told me if I paid the amount, they would remove the account from my credit report and I could buy the car. I paid because I needed to buy the car right away, not because I agreed that I owed the debt. I dispute owing the debt to XXXX because I had the account for several years prior and did not terminate any agreement early. However, ERC still remains on my credit report as a collections account, lowering my scores and preventing me from getting a mortgage and a new car at an affordable interest rate.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank Of America committed fraud with my personal financial information when I applied for a loan.We applied for a Lot loan in XX/XX/2006 where Bank Of America required us to state our income and have our employer verify our income-we did and they approved the loan.Without our knowing it Bank Of America altered the financial information we put on the application to obtain a mortgage insurance policy from XXXX naming Bank of America as the beneficiary in the event of a default.We were completely unaware of any mortgage insurance policy and it is not on any papers we filled out.Our income was stated on the forms as {$4500.00} per month and was verified by my employer.Shortly after we were approved for the loan an XXXX for XXXX contacted us and told us Bank Of America had altered the forms we provided to state our income as {$15000.00} per month and that amount had been verified by my employer.We told him I had put {$4500.00} per month as the income and it had been verified-not {$15000.00} per month.XXXX told us Bank Of America had altered the amounts on the application and submitted them with my signatures as an application for mortgage insurance.We are now in default on this loan and Bank Of America is anxious to foreclose so they can collect on their fraudulent insurance policy.They are attempting to get paid from the insurance policy from XXXX and after the foreclosure sale get paid again by suing us for their loss.We believe we paid for this insurance policy with our down payment without knowing it but have never had any mortgage payments covered by the XXXX of XXXX altered then used my personal financial information and signatures to obtain an insurance policy for them to be the beneficiary in the event of a default and are now foreclosing to benefit from the insurance policy.2.And if mortgage insurance was obtained using my information, that I may have paid for with my down payment, why was n't it purchased to protect me from losing my asset in the event of a default and why was n't I told about it?
Consumer complaint received 2016-10-24
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC (AK)

XXXX XXXX contacted and would not identify who they were after I demanded it at least 3 times. They stated they were a law firm representing their company. They threatened my with taking me to court, which would result in costs over {$5000.00}. I also received a call from a so called process server asking I would be home between certain hours on a specific day, she never called or showed up as se said she would. I contacted the so called complaintent as well as my bank. Not only were there not any deposits made on the day they stated their client made, but there were also not any further attempts to get their money according to my bank. I also called the complaintant, Castle Payday, who changed there name to Big Picture Loans. They informed Funds, which is definitely not XXXX XXXX! I feel scammed and bullied and into trying to set up a payment plan with someone I did n't need to! SOOO ANGRY!!!
Consumer complaint received 2016-12-29
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MOHELA (MO)

I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I had TD Bank checking account for long time and this account is charge off on j XXXX XXXX when I call and find out why is charge off. I find out TD bank line of credit was doing ach on XXXX which I did not tell to do ACH. line of credit was saying if I have any time retan the payment we cancel the ACH which is my payment was XXXX on XXXX XXXX after that stop doing ach on my account and a auto ACH start aging from my account on XXXX which bank do n't have any paper work. 
I do n't use this account from last year so I do n't check. without my knowledge how do I know bank doing ACH. now is charge off account and I do n't mind to pay the original amount but I can not pay any fee bank charge after wrong ach done. please call me for more detail. now recovery department was saying branch manage can refund all fee. when I call the branch manage she was saying she can not do it because of charged off account. I just want to get refund the all fee from bank charged to this account after XXXX XXXX and I will pay my balance to bank not any fee.