davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (NC)

I bought a house in XX/XX/XXXX. Before I made the 1st payment the mortgage was sold to XX/XX/XXXX. Almost immediately the trouble began. First I was sent coupons for the mortgage payment. A week or so later I was sent new coupons with a lower payment because Arvest stated that I did not need to pay PMI on this loan. In XX/XX/XXXX I received my escrow statement that said I was over {$1800.00} short for the next year in my escrow account. Somehow after only making 3 payments, " I '' was short this money. A contacted Arvest and they quickly figured out that the mistake was on their end. They told me not to worry about it and they would fix it. They also realized their mistake with the PMI as my loan was still expecting PMI to be paid. I was " told '' the additional monies I had paid to reduce my principal were applied properly, but no paperwork was ever provided. Fast Forward to XX/XX/XXXX and I received another letter stating that I was now over {$1900.00} short for the next year. I contacted the company again and they still didn't have a clue about what happened. With " My '' help they figured out that " THEY '' had paid my property taxes in XX/XX/XXXX when they were " NOT '' supposed to have sent in that payment. The Mortgage Broker was supposed to make that payment since the money was included in my closing costs. I also have to wonder how Arvest can take an escrow account negative {$1800.00} and not feel the need to contact the owner of the account. The mortgage broker contacted me immediately when Arvest tried to contact them. It was determined that the check they sent me was never cashed as it was never received by me. They sent me the money a week later. After that I have only heard from Arvest once and I honestly don't think they even know what is going on. Now, after more than a month of talking to Arvest, no one will return my calls or answer emails and of course they decided to send me a late  charge for not paying a new monthly payment. The new payment is the result of the shortage, but since I was actively working with them to find the problem and no one on their end had ever called about a resolution, I did not realize there was a new payment to make. They sent me the new payment coupons around XX/XX/XXXXThe first payment of course was dueXX/XX/XXXX. I'm not sure how I was supposed to make that payment when the coupon arrives nearly 3 weeks after the payment was due. So now they want a {$30.00} late fee. Keep in mind I have not missed a payment this entire time. At this point I decided to send them the money owed from the XX/XX/XXXX escrow account since no one will explain why the value increased even though my taxes and home owners insurance costs did not change.
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (GA)

My name is XXXX XXXX and I purchased a XXXX XXXX from XXXX. The car was a defective car from the beginning. I continued to pay my car payments and also I paid for REPAIRS to the car. The car was under a RECALL/ CUSTOMER SATISFACTION and I was told to bring the car in, this is after I had paid for repairs to be done on the car. I had the first part of my repairs completed and was told to drive the car for 1,000 miles then come back. upon returning to get the other part of the repairs done I was told that I was over the limit of miles! XXXX was refusing to fix the car, foot costs for repairs. The internet was becoming OVERWHELMED with situations dealing with the XXXX XXXX. 
I VOLUNTARILY gave this car back to XXXX because in XXXX there is NO WAY I could continue to drive a car that didn't pick up speed, that would stall in the middle of 6 lane high speed traffic. It was a death trap. I am apart of the class action lawsuit against XXXX and I would like this account to be REMOVED from my credit report. For this car to be causing creditors to second guess my ability or willingness to pay is NOT FAIR! This car was found to be defective. MANY people have filed suits. I would like this account on my credit reports ( ALL THREE BUREAUS ) to be REMOVED! I have paid over {$3000.00} in repairs in which I am pursuing the courts to get reimbursed.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have hard inquires from XXXX and XXXX XXXX from XX/XX/2017. 
I have XXXX XXXX services as my cable company for the past two years. 
Don't understand why these companies would pull my credit without authorization.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (KY)

for over 2 years I have not even able to get my Experian credit report and on XXXX XXXX my XXXX  has not updated since XX/XX/2015
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (MN)

Convergent Outsourcing a collection agency is attempting to collect an alleged debt for a cell phone carrier named XXXX. I have requested in writing that this collection agency provides document proof of this alleged debt and has failed to do so, but continues to send harassing letters to collect. They continue listing this alleged debt with XXXX and XXXX credit reporting agencies affecting my credit score.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

This is in rebuttal to previous complaint XXXX against RoundPoint Mortgage. 
First off regarding the response I get back- There are six indiscretions already and two more if you count the ( not once but twice ) incorrect addresses by which you sent the certified letter. Is n't it easy to see why I have to raise the complaint to another level. 
The one issue that raises the biggest concern is this- You service the loan for XXXX and in light of the unusual circumstances and legal issues surrounding this case, do n't you think it is deserving of this situation to inquire instead of blindly assume that XXXX would not want you to reflect accurate reporting of this loan. I quote - '' The investor of the loan did not request we stop reporting the account to the credit bureaus. As such, we reported the account to the credit bureaus. '' Hello? Someone pick up the phone or send an email to legal department, i.e.. XXXX XXXX and ask the question ... .. 
If accurate reporting is the ultimate goal here, can you see why it is wrong to report me as delinquent for 180 days or more when 1 ) there seems to be no indication that XXXX was in the know on this and 2 ) I was n't in the know on this? Did I receive or can you show where I acknowledged by signature or any other legal means of proof that I was informed of this loan being reported as delinquent because I came out of a forbearance status? In fact, it was not a forbearance status at all. It seems this was just a category to drop this loan into when XXXX agreed to partner with me in litigation against the builder. Again, if accurate reporting is the goal here, BLOCK all months and accurately report what it truly was! This is not because I could not pay or would not pay! So ask yourself, does it reflect accurate reporting? 
Lastly, why does it take 4-6 weeks to change what you have already admitted has been erroneous reporting?
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (VA)

XX/XX/XXXX charge credit card {$1700.00} call credit company explain just found now ex-room mate made charge while out town without my permission they told me call company charge made to XXXX online charge call them lady said talk to her boss see refund charges back to me XXXX refund me {$1400.00} call td bank credit card company when got statement told them that did not refund whole amount so they XXXX all XXXX of us talking on phone charge {$250.00} for shipping well online store have free shipping lady said be too much lost of amount told lady was not aware of charges file police report this not right merchandise that was order never came to my residential such big item exercise equipment that item had set up day/time for XXXX to delivery never delivery send back to XXXX lady from company said call me back 3 days she never call me back again wait 5 days call TD credit card saying never call me back file dispute against have copy police report with case number sign paper work should get 10 working days NEVER received paper work again call TD bank told never got paper work that this time send paper again attack copy police report fill paper will be case number i been dealing with TD BANK from XX/XX/XXXX-XX/XX/XXXX they are not good credit card company this disputes was handle very poorly NOW final got letter saying case is close more than 60DAYS this going on and on since XX/XX/XXXX-XX/XX/XXXX how can this dispute be close on top this letter sent me was wrong amount that was dispute letter amount {$1700.00} that should be {$250.00} and still make payments on dispute charge of {$250.00} that all own them anyway not going use this card until remove and credit money own me if professional when call about this amount in XXXX should been removed from my bill when ask dispute lady dispute amount appear statement she told me it up to me if send in monthly payments of dispute amount good thing did because they did not know what they are doing my credit will be ruin messing with TD BANK dispute amount should been remove until been resolve lastly call TD BANK ON FRIDAY XX/XX/XXXX ask them what can be done they suggest calling XXXX again put me on hold lady could not find there telephone number than want me write letter to TD BANK to reopen my case XXXX since too longer than 60days explain that was not my fault this case start in XX/XX/XXXX -XX/XX/XXXX something should been done and finish i was in right time frame when file dispute not my fault that TD BANK dispute department fell there commitment handle within 60 days item was charge on credit card without my permission on XX/XX/XXXX for {$1700.00} the credit back {$1400.00} not shipping charges like said was not ship to my home merchandise at XXXX location waiting for day/time be delivery never delivery still paying on this dispute from XX/XX/XXXX UNTIL NOW THIS IS XX/XX/XXXX.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

Navient, then XXXX, essentially give me no assistance. They expect me to XXXX out over $ XXXX in student loan payments. This does not include the other loan payments from other entities. The amount of loan payments per month is more than full rent, and nearly implausible to pay. Upon asking for income based repayment, I 'm told I 'm not eligible anymore. If I ask for any other assistance, I 'm told I have no options. I accepted these loans via financial aid in XXXX, which in itself is a scam of a school. I believe they are also under federal investigation. My life is nothing but student loan debt and the sheer amount of debt in just this is crippling. I am barely making ends meet when I have a XXXX salary. This should NOT be how people live.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I have 6 student loans with Navient, 3 stafford subsidized and 3 unsubsidized, through several years of unemployment and generally not making enough money to pay it back I kept being pushed into doing forbearances of my loans. I 'm learning now that I could have had repayment plans that were based on my lack of income to make the repayment. I 've tried talking to them to gain insight into options, but was always made to believe that the best option was forbearance and others were not. I was also led in a confusing way about the other options available to me. Now years later my balance is much higher than it was initially and I 've made little or no steps towards repaying my loans. I believe they 've acted in their best interest to get the most amount of money out of me possible, rather than collecting principal plus reasonable interest. 
There were times that the amount they said I had to pay was much higher than I could afford. I tried saying that I could pay a lower amount and they said no. That the only way to get back on good terms, and the best option, was to just place my account on forbearance. I could have been paying $ XXXX a month during large swaths of times, but they either would n't accept that as the repayment amount, or just said it was not needed.
Consumer complaint received 2017-04-11
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Coastal Financial Solutions, LLC (CA)

Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally XXXX the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IN)

After I finished school Navient continously harassed my daily multiple times a day for payment. When discussing options with them they never once offered any kind of help lowering my payment. I fact the continued to say I had to pay the full amount acted found not foare my loan. At the time I was not financially well off and I figured there would have ointment in making smaller payment because it would still continue to hurt my credit actndnd actndnd up fees. My credit score went from really good to terrible quickly because of the negative credit reporting from them. Once I was able to get on my feet and afford to start paying on my loans I called them. Only then did they finally offer me lower payments based on my income. I now make theses payments to them and have for a couple years now but my balance never changes because of my interest rates. I have tried to get my loan too a new company but nowit 's not even possible. N loan company will except me because of my damaged credit.
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Monday Capital one called me saying they may repossess may car because I have n't made a payment in a month. In XX/XX/2017, I made an agreement with them saying I would pay the balance by XX/XX/2017. In XX/XX/XXXX I became ill and need medical care. In XX/XX/XXXX had medical procedure and in the coming months will have surgery.When they called me on Monday they also said I had 10 days to make a payment of XXXX. I told the person on the phone I could not make any type of payment because I have outstanding medical bills. In XX/XX/XXXX, When I made the agreement with them nobody said if I did n't pay off the balance that my car would be repossessed they ONLY said, MY CAR WOULD BE CHARGED OFF. Capital One uses HARASSMENT TACTICS, UNETHICAL AND ILLEGAL BUSINESS PRACTICES.
Consumer complaint received 2018-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

XX/XX/2018 sent validation letters to XXXX for {$740.00} and {$450.00}. Also XXXX XXXX XXXX for {$730.00} so far no response.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I settled a debt with XXXX XXXX and XXXX on XX/XX/XXXX. The account is 7 years old ( it first had delinquency in XX/XX/XXXX ) and it should be removed from my Credit Report. I checked my credit reports from the 3 major credit bureaus within the past 30 days and noticed that this information still remains on my credit report. Please remove this negative account and please provide me with a receipt for that transaction that shows that I paid for this account. I never got my receipt that I called and asked this company for on multiple occasions.
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

I HAVE CALLED XXXX XXXX XXXX SEVERAL TIMES AND TOLD THEM I DO NOT HAVE INSURANCE WITH XXXX XXXX AND NEVER WILL, THEN I CALLED XXXXXXXX XXXX COMPANY AND THEY CANT EVEN PRODUCE A ACTUALLY POLICEY, JUST A QUOTE FROM XXXX OF LAST YEAR. HACK I DIDN'T EVEN DO THE QUOTE!!! I HAVE REPORT XXXX  TO THE XXXX XXXX XXXX WERE I WORK AND NOW THE FRAUD DIVISON IS LOOKING INTO THIS AND SEVERAL OTHERS WHO ARE REPORTING THE SAME PROBLEMS. NOW THEY HAVE REPORTED A FRAUD ACCOUNT TO MY CREDIT REPORTS AND THE ACCOUNTS WASN'T EVEN SET UP. SENSE I WORK WITH THE XXXX XXXX I  LEARN WHO THE GOOD COMPANIES ARE AND XXXX IS NOT A GOOD COMPANY!!!!! THEY ARE A FLY BY COMPANY AND CLEARLY DON'T CARE ABOUT THE CUSTOMERS OR OTHERS! XXXX SAID THIS ACCOUNT WAS SENT UP ONLINE AND IT WAS A SOUTH CAROLINA QUOTE!!!! I DON'T EVEN LIVE IN SOUTH CAROLINA. I HAVE ATTACHED A POLICE REPORT AND A FRAUD REPORT FROM THE XXXX XXXX INVESTIGATION DEPARTMENT .I WANT THIS ACCOUNT REMOVED ASAP OR ILL BE FILLING LAW SUIT IN NC AGAINST XXXX XXXX XXXX AND XXXX.
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

I opened an account with wells Fargo in XX/XX/XXXX following a {$300.00} sign up bonus offer. The terms indicated that {$1500.00} in deposits for 3 consecutive months were needed to qualify for the bonus. I did so inXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. InXX/XX/XXXX I contacted Wellls Fargo to make sure I met the requirements. The rep stated that I did and that I needed to wait 45 days to see the bonus in my account. In XXXX I called back and was told to wait while they do research. After a few emails a person from the executive office called me and said that she can see DDs on my account but she needed to " research '' further. That was last week. the case number is XXXX.
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX I filed a fraudulent Dispute that there are multiple unauthorized fradulent charges on my account which totals up to {$9200.00} and My log in user name and password was changed my debit card pin number was changed. I'm not familiar of this citys and locations of this fradulent unauthorized charges that took place on my account I have never visit this cities that The fraudulent unauthorized charges happen I'm not familiar from this cities that a fraudulent unauthorized charges happened and I don't even have a history of being in this Citys that the fraudulent unauthorized charges happen on my account and I'll XX/XX/XXXX I got the final decision from the investigation Department saying that they did not find any error occurred on my account and they have documents to support that, first of all I did not file a dispute that there's a error occurred on my account I filed a fraudulent unauthorized charges dispute on my account, second of all my login has been changed and my Debt card pin number been charged, after knowing all this how can you make a final decision not to credit my money of {$9200.00} that was fraudulent stolen from my account. 
Claim Date : XX/XX/XXXX Claim Number : XXXX Claim Amount : {$9200.00}
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I mailed a payment to Citi on XX/XX/XXXX for {$10000.00}. 

I have had 4 separate calls with Citi since they received my payment and cashed the check on XX/XX/XXXX, but the payment still hasn't applied to my account. 

It has been over 30 days since they received this payment. Every time I call I get the same answer, which is that the payment will post in a few business days.
Consumer complaint received 2018-02-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RMS-Recovery Management Services, Inc. (MI)

I've been receiving phone calls from Recovery Management Services Inc. Since XX/XX/XXXX. On XX/XX/XXXX I sent a Debt Validation letter to Recovery Management Services requesting that they send me validation of this debt and proof that they are licensed to collect in my state. They did send me validation of the debt, but no proof of licensing in the state of Michigan. After searching on my state licensing and regulations website Recovey Management Sevices Inc. did not come up. They are not licensed to collect in my state.