davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK (CA)

Scottrade : I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.
Consumer complaint received 2015-05-17
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (SC)

I opened an account with XXXX and applied for there XXXX CARD which is essentially with Syncrony Bank ( GE Capital ). A few months ago I purchased a cell phone from XXXX and had nothing but issues with it, Returned it under XXXX 's no questions asked policy. Due to poor communication the return became a dispute, immediately afterwards within a day I notice my available credit is reduced by syncrony, and found others have similar experiences of having there credit reduced or accounts closed for simply excercising XXXX 's return policy. I had always paid on time, and often paid 30 % or more of the balance. Never paid late. Yet the action taken by syncrony has damaged my credit rating and all I did was pay on time. I have paid off my balance and want them to reverse the previous limit reduction, and then close my account so that my credit score is restored to what it should be.
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

I originally filed a complaint against Portfolio Recovery Associates on XXXX XXXX following their refusal to properly validate an alleged debt in my name. In the time since, I have disputed the debt with the XXXX major credit bureaus, I have filed complaints against Portfolio Recovery with both the CFPB and the XXXX, and I have directly communicated to Portfolio Recovery their violations of FDCPA legislation. They continue to not take this matter seriously. Although I have decided to move forward with legal action against the company in Federal Court for the District of New Hampshire, I still want the CFPB to be involved in this matter. The CFPB has already had significant dealings with Portfolio Recovery and it is important that the Bureau be aware that Portfolio Recovery has not made any meaningful changes to its business practices as they relate to compliance with established federal law. 

As of the date of this renewed complaint, Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me, that the amount they are claiming is accurate, or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time, they mailed to me an old credit card statement that actually showed a {$0.00} balance with no reflection of the amount they are attempting to collect. Additionally, in their written response to my prior complaints, they promised they would perform further research and deliver to me more detailed documentation. I have yet to receive any such paperwork. Meanwhile, in defiance of federal law, Portfolio Recovery continues to regularly update this account on my consumer reports which is causing harm to my credit rating and limiting my ability to obtain new credit. It is a well-known fact of credit collections activity that this is a tactic used to frustrate consumers in an effort to entice them to pay a debt simply to improve their credit rating. I WILL NOT FALL VICTIM TO THIS TACTIC. Plain and simple. 

Finally, not only is this an un-validated debt, their reporting of this debt to my consumer reports is riddled with errors. They report themselves as a traditional " revolving '' account rather than as a " collections account '' as they are supposed to. And there are other errors, as well, which my lawsuit details. Please see attached documentation for evidence of these errors.
Consumer complaint received 2015-08-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

My mortgage company raised my mortgage {$500.00} extra dollars monthly they say my escrow account has been in the negative since XX/XX/XXXX which they are saying I 'm in the negative for over {$5000.00}. I really do n't understand why or how this could even go on this long. I had them check which they said they did a analyses but on the papers they sent doing XXXX different analysis shows XXXX different numbers. I called concerning this analysis XXXX was in XX/XX/XXXX the other in XX/XX/XXXX. I have checked my taxes and my homeowners insurance and it did not go up no more then {$50.00} to {$70.00} dollars I put notes to draw to your attention to the marking periods that seems to be different on each. 

please help i can not afford this Thanks
Consumer complaint received 2015-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

My Spouse and I both have a inquiry on our credit from a XXXX used cars. 
We have not bought or financed a auto from this institution. We have XXXX continuously requested for this to be verified several times. So it can be removed because it was not done with our consent. Equifax keeps saying its verified! Which is not possible when we have tried to contact this company that SC XXXX shut down and the XXXX revoked their license. I have informed Equifax of this fact! But yet they keep saying they verified it belongs to us! How is this possible when the Government of SC shut them down? Can you say someone at equifax does n't do their job? I can vouch we have disputed this so many times and still it 's hurting our score a a hard inquiry.
Consumer complaint received 2015-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am in foreclosure. The alleged mortgage and note holder is Bank of America N.A . 
I lost my XXXX in 2008 and employment, from which I have not been able to recover. I have pleaded with Bank of America N.A . through hardship letters, in person with their loss mitigation personnel without success.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (OH)

On XXXX/XXXX/15 we began to receive phone calls at our home from XXXX XXXX of Debt Recovery Solutions calling for a " XXXX '' XXXX. A message was left on our answering machine stating that if we are not that person/do not know that person to visit their website at : www.drssol.com or call XXXX to remove our number. We could not locate the website, so my husband called the XXXX # and left our phone number asking it be removed. 
On XXXX/XXXX/15 at XXXX & XXXX XXXX. we received the same phone call/message. Again, my husband called the XXXX # and left our phone number asking it to be removed and the calls to stop. 
On XXXX/XXXX/15 at XXXX XXXX. we again received another phone call, same message and once again my husband called the XXXX # and left a message to remove our phone number and to stop calling. 
There is no " XXXX '' XXXX at our home phone number and we do not know a person by that name. 
This is not a live person placing the call from Debt Recovery Solutions, but a recorded message, saying they are debt collectors and attempting to collect a debt.
Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Our Mortgage Loan Servicing company Ditech has been illegally deducting fees that we do n't owe. We have tried since XXXX to get this issue resolved and continue to be given the run around. We have paid an additional {$44.00} each month for over a year for a home warranty. This payment has been included in our monthly mortgage payment and we have never been late nor missed a payment. Ditech took extra money from our escrow stating that they advanced payment on our behalf to the warranty company. This does not make any sense because we pay the warranty every month and there was no need for them to charge additional fees along with our regular monthly payment. Ditech has received many complaints concerning this practice. They have numerous lawsuits against them as formerly Greentree Servicing. They continue to do the same practices under the new name of Ditech. We have spent countless hours on the phone to no avail. We have never been late paying our mortgage in the 12 years we have lived in this house.
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

Dear CFPB Representative -- I have never a response made by LVNV in reference to account XXXX, and have determined that this does not resolve my complaint. I XXXX found out about LVNV from XXXX credit reports in 2013. Resurgent/LVNV Funding, LLC has failed to provide legal validation or a dunning letter in accordance with Fair Debt Collection Practices ACT ( " FDCPA ). I am demanding proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased ; itemized with the interest, payments, credits, fees, and /or other permissible charges. I would like to have this account deleted from my XXXX credit report and I will also be filing a separate report with BBB. 

Regards,
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Aside from being a predatory lending company with inflated interested rates. Navient has disabled my account and made it impossible to log back in. I 've called them multiple times trying to resolve this but they refuse to help. I have absolutely no access to my account, I can not pay them, and nobody in customer service can help me. I 've also submitted complaints via email and social media. They also call me day and night, disrupting my work day and upsetting my employer. They call at night when I am sleeping and on Holidays. They are relentless. I can over over XXXX missed calls in 30 minutes.
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I opened a PNC bank account online. They verified my identity by asking me specific security questions and I funded my account with an instant transfer through a debit card. I then received my XXXX and account number and started to setup my direct deposit. A few days later, I got my ATM card and tried to activate it and was told to contact the bank. At the bank I was told my account was closed due to risk prevention and an incident I had in 2011 which was fully resolved. My direct deposit was already setup. I never received any communication from PNC that they are closing my account. I still have n't received any communication about the closure, but I have received marketing material and instructional mailings on how to use my new account. My money ( both my funding and my payroll ) is now in the PNC account but it is on hold. I have no access to it unless I take time off to go to the branch and get a check for my money. If they were n't going to open an account for an incident 3 years ago, then they should include that check in the opening process. They had my SSN, they ran a credit check, they could add their own security check into the process.
Consumer complaint received 2015-12-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc. (GA)

I received a 1 year anniversary of my CarMax jeep and was told I could apply for the skip a payment deferment after the 1 year. We had a medical issue and I needed to get the deferment for that car payment within the month. they told me I could and I talked to the corporate office and she said she received approval. I began getting calls from CarMax so I asked the Financial side if they showed the deferment they said no, it was not processed and the corporate advocacy person had made a mistake. She took it to get approval on it and it was finally put through. My credit was dinked as a result and I need it removed as I have perfect credit in buying cars with paying within the 30 days allowed. XXXX XXXX
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CFM Group LLC (CA)

In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and the credit card machine was free. 
I said, ok and in good faith gave my bank account number. 
Since I was just starting the business, I had no clients and hardly used the credit card machine. Soon, I noticed that the XXXX XXXX started to siphon out money from my bank account ranging in the amount from {$25.00} to {$50.00} a month. When I inquired, and stated that we had agreed before I started the service that they would charge me only when I use the machine 5 % of the amount of transaction. They tried to justify that they told me before hand, which was never mentioned at the beginning of the when the service started. I felt misled, so I called them up and told them that I felt deceived, therefore, they abide by the initial promise they charge me only when I use the machine. I requested them not to take out any money from my bank account, because I never authorized them to do so. The only reason, I gave the Bank account # was for them to deposit the transaction amount after deducting their 5 % charge. No term was disclosed to me at the beginning either. But they continued to take my money on incremental basis. Therefore, I called them up to cancel my services with them and they told me to return the credit card machine, which I did. Even though I asked for the acknowledgement of the receipt over the phone after tracking the machine which reached to them, they did not respond for two and half years, nor did they try to contact me. Surprisingly, the collection Agency started to call me too often and tell my social security number. I am very much worried that they are trying to extract more money from me and destroy my credit. 
As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score. 
Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit. 
Thank you
Consumer complaint received 2015-10-30
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Experian Information Solutions Inc. (MN)

Experian ( a client of XXXX ) was hacked. Lacking the appropriate security measures, the hackers downloaded my address, social security number, drivers license, number and the like. The hackers have enough information to steal my identity. 

So what is Experian proposing to do? Offer 2 free years of THEIR credit/identiy monitoring service ( XXXX ). Really? I 'm supposed to trust the clowns that were just hacked with their identity and credit monitoring service? It makes more sense to offer an independent credit/identity monitoring service, such as XXXX.
Consumer complaint received 2015-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Need assistance with modification. 
After months of trying on my own to get a loan modification, I had to seek assistance from a friend. Over a year later and after contacting Office of the Comptroller of Currency I received a loan modification from Chase with a trail period of three months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which would result in a permanent modification, if payments were made and I continue to meet all program eligibility requirements. To date, I have complied with terms of agreement. 
However, Chase has not honored All of the agreement, particularly the part of the agreement that states they would permanently forgive XXXX of the estimated amount of {$270000.00} each year on the anniversary date of my XXXX trail period payment, which was XX/XX/XXXX, for three years. The XXXX year which was XX/XX/XXXX and XXXX year XX/XX/XXXX my principal mortgage amount was reduced by XXXX. On XX/XX/XXXX I did not receive my principal reduction. I made many attempts to contact Chase regarding the principal reduction and my calls were unanswered and when I did make contact I was told the money was taken off my loan by XXXX CSR and another CSR told me it was n't done, yet. To date no principal reduction has been made for XX/XX/XXXX, as agreed. 
I want Chase to honor my modification agreement. By reducing the principal balance on this mortgage I do n't believe I would owe as much as Chase claims I owe. I have never owed over three hundred thousand dollars on this property as claimed by Chase. I bought house in XX/XX/XXXX for {$59000.00}. And have since been victim of predatory lending. I have paid for this house more than once, I want what is right. I want to know what the fees for the modification were if Chase believes I owe a balance after the reduction of principal balance. And I would like for that last principal reduction that was due XX/XX/XXXX to be applied. 
Additionally, due to my continue hardship I have requested another modification in hopes of reducing the outrageous interest rate 9.75 % I 've been paying, I was offered a payment plan to bring my loan current, I did not accept it as I was seeking a lower interest rate. 
I was able to bring my loan current, I was two months behind. I bought my mortgage current and have since requested a modification for the XXXX time. All documents were sent via fax to Chase and received on XX/XX/XXXX. Since this date, I have not been offered assistance. I have received at least XXXX more packets of the same documents to send again, even though Chase sent letter stating they received the documents from me. This is why I had to get third party assistance with my XXXX modification in XX/XX/XXXX. I am hoping through these communications I will not be subjected to the runaround, and will receive assistance in a timely manner. 
In closing I am seeking assistance with : XX/XX/XXXX principal reduction for modification agreement letter dated XX/XX/XXXX. And modification request sent XX/XX/XXXX.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

We got behind on our mortgage payment because of loss of income and were forced to relocate. We could n't find a buyer and we have XXXX different renters that did n't pay. We have been contacting our Bank regarding doing a loan modification so we can get caught up on our mortgage. The will not return our calls and now our house is in the XXXX step of foreclosure.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

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Consumer complaint received 2015-04-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

Suntrust experienced IT network, account hackers and/or IT incompetence. They were showing debits, by ( me ) consumer XXXX XXXX XXXX XXXX XXXX F XXXX . This on clear transitions, summary ( see attached ) This was only perpetrated to charge my account overdraft fees and extending over draft fees {$150.00}. I advised Suntrust their mistake or IT incompetence, was the cause since I manage my account by their website. In accordance with PCI-DSS, this information MUST be up-to-date an accurate, by law it was SunTrust responsibility to be such.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PR)

Requested an investigation in reference to a hard inquiry from XXXX XXXX on my credit report under Equifax. I already submitted an investigative dispute with Equifax numerous times with no success in removing inquiry. Next, I submitted an investigation with XXXX Billing and Credit Dept. via mail and received a reply via mail with no success in removing inquiry, pursuant to Sec. 604 ( F ) ( i ) and ( ii ) of the FCRA ( 15 USC 16816 ) according to reply letter. In closing, I contacted the Consumer XXXX Protection Bureau ( CFPB ), representative from before mentioned agency provided information in reference to this CFPB complaint, orientation provided via phone call and file a complaint in unison with the FCC via their web site.