davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: California Business Bureau, Inc. (CA)

I received a notice of debt from California Business Bureau , Inc. about a bill that I partially paid and informed the clerk at XXXX that I was waiting on the second XXXX card less than 30 days ago. Having just returning from vacation on XX/XX/XXXX I received a letter dated XX/XX/XXXX. In the letter is states " If we do not hear from you within 48 hours from the date you receive this notice, we will assume that you do not intend to pay ''. This is a direct violation of FDCPA and further UDAAP causing a false sense of urgency, deceptive practices, and harassment. 

Engaging in behavior the natural consequence of which was to harass, oppress, or abuse the XXXX in connection with the collection of a debt ( 15 U.S.C. 1692d ) Using false, deceptive, or misleading representation or means in connection with the collection of a debt ( 15 U.S.C. 1692e ) Employing false and deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair and unconscionable means to collect a debt ( 15 U.S.C. 1692f )
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I received a false statement saying my account was past due, when in effect, it was not past due. The direct debit was scheduled on a weekend, the next billing statement was generated during that same weekend. When I called to ask for a new statement, they acknowledged this was a problem with their software, know it is a false representation of my account, and yet, have no solution to fix this problem in the future. They also acknowledged my account is current, always has been current, and yet refused to re-generate an accurate statement reflecting that. I can only theorize that if this is occurring to me, it must therefore be occurring with other customers as well. They know it is a bug in their software, yet they continue to make these false billing statements causing people to believe their account is behind when in reality it is current.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

My credit card recently saw its credit limit raised from {$500.00} to {$2500.00}. The credit card bureaus show that I have an outstanding balance ( {$190.00} ) too high for my old lower limit ( they like it to stay under 1/3 ), causing a temporary hit on my credit score. I tried to fill out a " dispute '' to alter my credit limit but failed after trying maybe 5 times. Please help! 

So, Equifax and XXXX  These agencies are self-appointed masters of our economic lives and I'd like to know by what right they even exist ( but that is another issue ).
Consumer complaint received 2016-08-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I was told Wells Fargo did not loan on XXXX. I asked for my approasal fee back on XXXX XXXX. I got several different answers as to when I would receive my money back. First supervisor told me 7-10 business days. On the 10th Business day I was told it had n't been formally denied so the refund could not be processed. I spoke to the supervisor 's supervisor and was told the loan was in underwriting and would be for at least another week. At that point they could start the 7-10 day process.
Consumer complaint received 2018-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BBVA FINANCIAL CORPORATION (CO)

I attempted at least 3 times from XX/XX/2018 to XX/XX/2018 to work with the company BBVA compass to lower payments, extend the loan or in some way help me so I don't loose the car. I am continually told that my account is to new and they can't do anything for me. I send what money I can but they still are not happy with anything I have attempted. Also when I try to call I'm am waiting for hours.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OR)

Hello. This complaint is a follow up to complaint XXXX. My apologies for not providing feedback in the allotted time. 

This is regarding getting a determination on my cosigner release request for the student loans owned by XXXX XXXX XXXX ( XXXX ). The loans are serviced through American Education Services ( AES ). I first filed this request in XX/XX/XXXX. I filed it again in XX/XX/XXXX. 

The response I received from XXXX on my previous complaint is not satisfactory. In effect, XXXX claimed it wasn't their responsibility, and I should contact AES. This is not acceptable. 

I have worked through AES trying to get a response from XXXX   regarding my cosigner release for almost three years, since roughly XX/XX/XXXX. The problem is not with AES - AES has  essentially told me their hands are tied and they can not force XXXX to provide a response to my request, and they just have to wait. AES has forwarded my paperwork to XXXX  and requested follow up multiple times with no response from XXXX. 

This is my message to XXXX : is it absolutely, 100 % unacceptable to sit on this kind of paperwork for years. According to AES, they have sent it to you and followed up multiple times. According to all my available sources, you are the responsible party for reviewing and approving or denying the request. And, from all my available information, you have not done so for over two years. Again, this is totally unacceptable.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Revenue Systems, Inc. (NJ)

Debt was paid XX/XX/18, letter from Business Revenue Systems , Inc. dated XX/XX/18 was received for a debt from XXXX XXXX XXXXXXXX XXXX, XXXX ( creditor ). I called Business Revenue Systems, Inc. on XX/XX/18, talked to XXXX and XXXX who refused to call or confirm with creditor this debt is paid and there is no outstanding balance. 

XX/XX/18 - I confirmed with XXXX @ XXXX XXXX XXXXXXXX XXXX, XXXX that debt is paid and my balance is XXXX. XXXX informed me Business Revenue Systems , Inc. has the ability to look up my account in their system which again, would show a XXXX balance.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (MA)

We have 8 student loans with MEFA for my XXXX daughters. We have always had issues from the start about being late, behind or in default of our loans even though we have been paying the on time, and in most cases more than the minimum. MEFA sets up multiple loans for one person and expects separate payment on each and every one separately. That was never explained when we opened the loans and all the money we were mailing in was going to one account and none to the others under the same umbrella loan #. 
MEFA then sold our account to XXXX and then to XXXX and now to XXXX. Each time, the loan numbers were changed and the auto payments that my daughters were making were now going to a generic loan where they used the funds to first pay all interest and then spread payments randomly across all loans even though the payments were coming from separate bank accounts and going to specific accounts to help pay down the principle. 
We contacted MEFA, XXXX, XXXX  and now XXXX and this continues to happen to a point where my daughters are not able to keep up with all the changes and are constantly told their loans are delinquent, in default and are being sent to a collection agency, even though they are automatically paying on time and over the amount required. 
It is criminal how these loan servicing companies are managing over {$310000.00} of my daughters college debt and ruining my daughters ' credit rating. There is no one to escalate too who can address these recurring issues and no state board or legal entity to oversee these firms. MEFA is pillaging and plundering our children with loan shark terms and rates ( 7.9 % ). It is truly criminal how irresponsible MEFA and the loan servicing companies are with our youths future.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a mortgage with Mr. Cooper. This mortgage was sold to Mr. Cooper by XXXX XXXX XXXX during the great recession without my permission. 

There are three issues with Mr. Cooper that I currently have although I have had issues with them in the past regarding my escrow account.

Issue 1 - I contacted Mr. Cooper on XX/XX/XXXX to cancel my flood insurance thru XXXX and replace it with another policy that I had already paid for with equal if not better coverage. My flood insurance is paid thru their escrow department. I sent them a copy of the new policy with XXXX which showed paid in full. The XXXX Policy that I requested be cancelled had a renewal date of XX/XX/XXXX. They told me they had already sent a check to XXXX but would stop payment on it and replace it with the XXXX policy. I thought all was well until I received my escrow statement dated XX/XX/XXXX. After calling Mr. Cooper I found out that not only did they not stop payment on the XXXX flood insurance policy- ( verified by XXXX who never received a stop payment ) but they paid the XXXX policy also even though they had received the current policy showing paid by me. So they paid two flood insurance policies through my escrow. 
They want to continue to pay two policies and leave it up to me to figure out their mess. I did receive a refund from XXXX for the double payment but have yet to receive any credit for the cancelled XXXX policy. 
Issue 2- I have requested to have the escrow account removed from my mortgage several times with Mr. Cooper/Nationstar . The most current request was denied this month and their rep told me it was because I was 30 days late within the last year. I sent her a bank statement showing that I was in fact on time or early for at least the last 18 mos. ( and most likely for a lot longer ). She responded that her " system '' made a mistake- most likely a lie.

Issue 3- Mr. Cooper does not report my excellent payment history to the three credit bureaus which has the effect of holding me hostage to them. My mortgage is the only credit I have had so I don't show up in the bureaus and have been unable to get rid of them.
Consumer complaint received 2018-06-26
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (TX)

I submitted a complaint on XX/XX/17 in regards to a collection account on my credit report. The company responded to the complaint and stated they would send validation of said account. I never received validation and I am demanding that this account be removed from my reports. It is negatively affecting my credit score and hindering several processes.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan sinceXX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXX and I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Made a payment for {$1000.00} on XX/XX/18, and was alerted there would be a 24-72 hr hold on my payment. 
Spoke with XXXX at XXXX then account managers XXXX , and another woman told me my payment would be held for 10 days, not 3.  I repeatedly asked to speak with their immediate manager and I was on hold for over an 1 hr and a half. XXXX then answered the line and I asked why my payment was being held if monies had been withdrawn from my bank account and applied to my credit account, he refused to answer then stated he WOULD NOT furnish terms and conditions that stated my payment would be held for ten days. The recorded call ended after 1 hour and 34 minutes.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (SC)

This will be my third complaint submitted regarding this company. XXXX XXXX XXXX, a credit agency working behalf of XXXX University. In my last complaint I explained how the information provided was inaccurate. I requested that the information regarding a collection account on my credit report reporting negatively be validated. Until this day this information still has not been done. The company however did send a letter that I will have attached to this compliant. This letter states information that AGAIN I want to VALIDATED. Due to the lack of cooperation with this agency I went to the source. My XXXX provided to get them to validate the information. This could not be done. Due to XXXX services not being able to validate this information this loan along with other loans have been deleted from all three credit bureau. I will provide a copy of the deletion from XXXX credit bureau to this complaint. If this was case that XXXX  services could verified and validate I would cooperate with the company how this could not be done. At this point and time I am considering the actions by Ability Recovery Services and XXXX University as harassing and will continue to go as far as needed to settle this matter. I am currently working with my attorney to see what is needed to take this case to court if this account is not delete from my credit report. This company has failed to provided the necessary information and the main source of their information XXXX has step up and deleted the account from all credit bureaus due to it being inaccurate.The company is reporting funds were returned to XXXX  XXXX however XXXX XXXX has deleted this account along with other due to inaccurate information. I will allow 30 days for this company to respond appropriately by deleting this account from my credit report. If this action is not taken I will move forward with the next step in the legal process.
Consumer complaint received 2018-06-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

CITIBNKN/A is reporting two student loan accounts that were sold to XXXX in XX/XX/XXXX. There are two accounts listed in the amounts of {$3200.00} and {$2300.00}, I confirmed with XXXX XXXX/XXXX on XX/XX/XXXX that they did indeed acquire the loans from Citibank and that Citibank should no longer be reporting these loans on my credit. I have left several messages between XX/XX/XXXX-XX/XX/XXXX at XXXX, which is supposedly there student loan hotline, and no one has called me back. So on XX/XX/XXXX I called Citibank 's general line at XXXX it was confirmed by a representative that I have no open loans or trade lines with them.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

These accounts were removed off of my credit roughly a few months ago and once I checked my report days after around XX/XX/XXXX these inquiries were put back on my report with me not being notified from Transunion. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (AL)

We have been Opted Out of overdraft protection with PNC Bank for a very long time. Even though we are opted out, we have been charged many fees. We have called PNC about this issue, but are told their policy is to only offer 1 " courtesy '' refund every year. We repeated to the representative and manager that we should have never been charged these fees because we are OPTED OUT, but they were firm that they are following PNC 's policies and they can not refund us for the charges we incurred. They also said that we can not " opt out '' of overdraft for recurring charges, even though we do not want ANY overdraft protection. We want the transactions to be declined or the checks to bounce. In XX/XX/XXXX &  XX/XX/XXXX alone, we were charged the following : XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00}
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

my card was never received in the mail and was charged over 29000k in fraud and my phone was fraud ported over and this account i applied for was used, capital one claims zero fraud liability and there holding me accountable for these charges, i filed a police report and i filed a complaint with ic3.gov there violating my rights under the fcra and the fcba, i asked for the merchant responses and the signatures to verify those are mind since there claiming there mind they have refused to do that i spoke to XXXX and XXXX and there telling me thats not my right
Consumer complaint received 2018-06-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

i called XXXX to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have XXXX XXXX XXXX, that have already been paid and has not been removed.. they mentioned it will take up to XXXX days to be removed.. please assist me
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

I was advised that IC systems has reported a disputed bill to the credit bureaus without validating and adjusting the bill to the correct amount. 

In XX/XX/2018, I received a call from IC Systems on behalf of XXXX. I advised the rep that the bill was incorrect and needed to be adjusted to reflect the amounts paid for cellphones. I was told by the rep that she would look into it. However, the phone was disconnected and I heard nothing else from the company. 

On the evening of XX/XX/2018. I received a letter from XXXX, before I had a chance to respond, I received a phone call from IC Systems on XX/XX/2018 advising me that although the bill is inaccurate, it was reported to the credit bureaus. 

I asked why I hadnt heard anything else from them regarding my initial dispute or otherwise and was told that theyve called me but its against their company policy to leave a voicemail and that my dispute was not honored because they didnt receive it in writing. 

I advised the rep that I never received their contact information, not by letter or phone and was under the impression it was handled by XXXX since thats who Ive been working with since the last call I received in XX/XX/XXXX. I was told that it is my responsibility to get their information and to validate the debt. I proceeded by asking for an email address to send a complaint and follow up dispute and was guided to their website.