davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (TX)

On XXXX XXXX, 2017 I contacted Central Financial Control to inquire how to resolve a medical debt they were collecting for XXXX XXXX Hospital in the original amount of {$1200.00}. <P/>I spoke with XXXX and requested a settlement of $ 60 % of the balance to close and clear the account with their company. XXXX accepted the payment of {$880.00} and indicated they would update my credit report to reflect " Settled Paid less than full '' and close the account. <P/>I recently received an updated copy of my credit report and noticed Central Financial Control had changed the status of the account to Settled, but however, they are still reporting and attempting to collect the remaining balance. I contacted XXXX again on XXXX XXXX, 2017, and asked why is the balance still showing unpaid when they agreed to accept a settlement. The response she provided after a 15 minute lengthy conversation was that I still owed them the balance and I should just pay it. <P/>I responded their should not be a balance owed if her company agreed to accept a settlement. I explained, how I recently on the same day I negotiated the settlement with her company, I had done so with other collection companies. Those companies had either removed their medical debt or updated my credit report to indicate paid settled and XXXX out the balance.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I received a letter dated  XXXX   XXXX ,  2017 st ating that my chase amazon credit card account was being closed " on  XXXX   XXXX ,    2017 beca use continuing the relationship creates possible reputational risk to our company. '' The letter did n't elaborate in any detail on the reason. I called the number on the back of the credit card (  XXXX  ) and they would not elaborate, only repeating the phrase " at this time we chose to end our relationship with you. '' I asked specifically whether this wa s for racial or re latiatory reasons ( I 'm currently suing a former lawyer and was threatened by him when I refused to take down an online review of him ) and they would not confirm that these were not the reasons. I asked them several times to rule out those specific reasons while I was trying to figure out why I was being dropped, but they refused to elaborate or inquire with their supervisors for more details. I am in good credit standing as far as I know, and I have paid all my bills on time in full. Please inquire as to why they are discontinuing my account with only a months notice.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMA Alliance, Ltd. (NJ)

I never had a problem with this company until the last month they were collecting on my debt. They were collecting on a   XXXX   XXXX   credit card. We had a payment plan set up with them since    2014. D uring my mortgage application process, the company asked for documentation of the payment. When I ca lled FMA Alliance to g et written documentation they informed me they were no longer collecting on the account. This was never verified in writing. I explained to them the situation and asked for payment history to be sent. I c alled three different days in  early  XXXX . Each time the person told me that they will mail me the payment history and to wai t 10 business days. After 10 business days, I still did not receive anything. I called again and was transferred to a manager,   XXXX   XXXX . She told me that because they were not still collecting on the account they did not know if they could even give me verification of the payment history. She told me she would call me back. I never received any verification or a call back. I wrote a letter to ask for written documentation of my payment history and to verify they are no longer collecting on the debt. I still have received nothing. Then today I received a call from the company trying to collect a debt for a completely different person. This is completely unorganized. There is no reason I should be able to get a letter stating I was making automatic payments for years in order to obtain a mortgage. I have never heard of a company with holding this information from a client before. I made automatic payment for years, I would just like verification of this.
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Hi there! I recently returned to school for a XXXX XXXX degree - study began in XXXX of XXXX and concluded in XXXX of XXXX. In the summer of XXXX, I spoke to Navient customer service professionals and set up an Educational Deferment. Those Navient representatives made it clear that no additional interest would accrue on my loans while I was back at school, that my automatic payments would be cancelled, and that no payment would be needed from me until the fall of XXXX. Today, when I logged in to make a payment to Navient, I saw that the information they gave me in XXXX was incorrect. While no interest accrued on my subsidized loan, my smaller, unsubsidized loan did accrue approximately {$250.00} of interest over the two year period. Had my automatic payments not been cancelled, but rather applied only to my unsubsidized loan ; had Navient given me correct information in XXXX ; or if they had continued to send me emails about monthly charges, then it would have been easy to continue payments towards the unsubsidized loans, or to pay them off in full. When I spoke to a supervisor at Navient today, she apologized for the bad information I had been given two years prior, but since I had been sent a letter with accurate information months after having spoken with their representative, said there was nothing she could do.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in XX/XX/XXXX and payment was due on the account in XX/XX/XXXX. Payment was made on XX/XX/XXXX for XX/XX/XXXX 's payment due. Student loan company, XXXX, processed the payment and applied it to my account. A few weeks later I was noticed via Transunion credit monitoring that my account with XXXX had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. XXXX did not correct the issue. Furthermore, I have attempted to call XXXX on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (PA)

Aspen Collection is tr ying to collect maintenance fees in the amount of {$290.00} from o ur ( m y husband and I ) rescinded timeshare contract from  XXXX   XXXX   XXXX   XXXX . Aspen sent us a notice of collection in  XXXX  of  2016 . At that time, our timeshare contract was still in the process of still being cancelled. We disputed the debt with a response letter on  XXXX   XXXX   2016 . Aspen responded to our letter on  XXXX   XXXX     2016  with a copy of our contract. The issue is Aspen has not sent anything else in writing since  XXXX . It took my husband and a little over a year for the cancelled timeshare contract to be processed. From what we know as of  XXXX   2016 , our timeshare contract has been rescinded. We have not received any contact or documentation from the resort since  XXXX   XXXX   2016 . It has caused us much financial distress and something we never wanted to purchase in the first place. We were pressured into buying it through fraudulent practices and false promises by the  XXXX   XXXX . My credit took a hit due to the collection of the maintenance fees being sent to the   XXXX   credit bureau. Howeve r, Aspen has  been calling our house at least once a week over the last month still trying to collect a debt. They have not sent us any documentation since  XXXX   XXXX . It is our impressio n that Aspen is u naware our timeshare contract has been rescinded and is trying to collect on something that no longer exists.
Consumer complaint received 2017-06-06
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: Experian Information Solutions Inc. (NE)

Hello, I hope this letter finds you doing well.      XXXX  is incorrectly reporting  XXXX  late payments across  XXXX  student loans to the credit reporting agencies, such as  XXXX  Experian, and  XXXX . During the months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  2014 ,  XXXX  is reporting to credit reporting agencies such as  XXXX , Experian, and  XXXX , that I was late on each of my  XXXX  student loans in question.  <P/> In  2014    I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document,  XXXX  granted me a retroactive forbearance in  2014  that lasted from  XXXX   2014  to the end of  XXXX   2014 .  <P/> Thus,  XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in  2014 , and  XXXX  has internally adjusted their records to demonstrate that I was, indeed, in forbearance from  XXXX   2014    to the end of  XXXX   2014 .  <P/> However, despite my numerous efforts to get  XXXX  to update the credit reporting agencies to remove these late payments because I was in forbearance,  XXXX  continues to refuse to updated the credit reporting agencies if these inaccurate late payments.  <P/> I have called  XXXX  to dispute these late payments, and I have supplied  XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied  XXXX  with the FTC  Advisory Opinion  that asserts that student loan accounts need to accurately reflect current information.  <P/> Here is a copy of that  Advisory Opinion  :    XXXX   XXXX   XXXX   XXXX    XXXX  continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
Consumer complaint received 2017-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Hello, I hope this letter finds you doing well. XXXX is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX, and TransUnion. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX is reporting to credit reporting agencies such as XXXX XXXX  and TransUnion, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXXI was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, XXXX granted me a retroactive forbearance in XX/XX/XXXX that lasted from XX/XX/XXXX to the  end of XX/XX/XXXX. <P/>Thus, XXXX is aware that I was supposed to be in forbearance, they approved said forbearance way back in XX/XX/XXXX, and XXXX has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end of XX/XX/XXXX. <P/>However, despite my numerous efforts to get XXXX to update the credit reporting agencies to remove these late payments because I was in forbearance, XXXX continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called XXXX to dispute these late payments, and I have supplied XXXX in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied XXXX with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : XXXX XXXX XXXX XXXX continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

This is the third servicer I have had since refinancing 9 months ago. In the process, records of my tax and insurance products that should have been paid by the escrow account were lost. As a result, my condo insurance was not renewed on time and it required several phone calls to both the insurance company and the servicer to resolve. In addition, because the tax payments were not accurately carried over, my escrow account was nearly all refunded and the payment adjusted incorrectly to a much lower amount, which will then cause a big bill to the escrow down the road. It has taken several phone calls with the servicer and the issue is still not resolved. On multiple occasions I was promised a call back and did not receive one.
Consumer complaint received 2017-06-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Management Services, LP (FL)

XXXX XXXX sold XXXX XXXX to XXXX XXXX ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXXby XXXX XXXX. Capital management has been the collection agency on this loan : capital management XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of Florida is 5 years. I graduated school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XX/XX/XXXX. XXXX has been fraudulently trying to collect on this loan through capital management, XXXX and XXXX XXXX. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. XXXX XXXX stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.
Consumer complaint received 2017-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (WI)

In XX/XX/XXXX I entered into a HELOC with U.S bank for a Line of credit of {$1.00}. The rate was 2.25 % interest only mortgage for 5 years. I made all my payments and taxes for 5 years.I had talked to XXXX XXXX, in the XXXX XXXX XXXX in XXXX WI, and who had originated my loan. I talked him 3 times and he assured me that it would not be a problem to renew to mortgage. In XXXX or XXXX  on XXXX had left his position.
I called to see if anyone could assist me but to NO avail. The problem is the U.S bank only services the loan but has NO money in the loan and therefore has so incentive to work thing out. Early in the process, after I realized that my " modification '' was going nowhere I told them I would pay them 5 years of payments and 5 years of taxes up front as good faith. They told me that they could not because the loan was due in full.
In XX/XX/XXXX I left my position to become a XXXX XXXX after 25 years in the XXXX XXXX XXXX profession in which 20 years I owned my company so I am very familiar with to whole process in including the XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX because in how the mortgage servicing was handled I had a XX/XX/XXXX and was hospitalized for 3 weeks and I am still on XX/XX/XXXXtoday. The doctors said the XX/XX/XXXX occurred due to XXXX which was at least partially and entirely the way the mortgage was handle for 2 years. Had they just renewed the mortgage note none of this would have happened. In XX/XX/XXXX i secured a position with XXXX XXXX but I have since lost that position due to my XXXX. I was only in the position ofr 3.5 months. That position paid me {$120000.00} plus incentives up to about {$190000.00}.
I have had at least 10 employee relationship managers and No one who can a decision. Also in XX/XX/XXXXwe had a offer for {>= $1,000,000} that finally got pulled inXX/XX/XXXX ( more that 11 months ) because U.S bank could not make a decision.
I summary I have never experience anything like this. It has been over 4 years since my balloon was due and I made numerous attempts to resolve it. There is about 4 years and 4 inches of correspondents which is too much to email. I have sent you the statement from XX/XX/XXXX showing my balance and the amount due. I can mail the rest of file if it is requested
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I n  XX/XX/XXXX  the re was a HSBC credit card opened in my name, when I found out about the credit card I took immediate action. I contacted HSBC to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XX/XX/XXXX  and in  XX/XX/XXXX I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XX/XX/XXXX  the debt was sold to  XXXX   XXXX   XXXX  and when I learned about this, I contacted HSBC to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus, HSBC always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (WA)

-They keep charging PMI insurance while I payed 1.60049291 % of my mortgage price -They allow ( permit  ) my la nd load to decide about my mortgage which they should n't involve at all about my mortgage. I only must make a decision about my mortgage.   -They make open access information for my land load. They should not.   Please help me, I 'm a single mom and trying my best all the time to support my life and keep my mortgage. Also, I have lack of knowledge to enforce them.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX XXXX, 2017 I visited my local branch of BBVA Compass Bank to open an Individual Retirement Account. I had to open the account prior to funding since the non-taxable transfer of my 401k account had to be directed to the bank. The same day, I received a credit alert from my XXXX XXXX provider that a hard credit bureau inquiry was made on my social security number by Compass Bank. On XXXX XXXX, 2017, the funds from my 401k were made available to finish the funding of the IRA account that I  opened. The transaction was completed and funded on that date. In addition, on XXXX XXXX, 2017, I requested that the bank remove the hard " credit '' inquiry, as no permissible purpose existed to obtain a credit report for this deposit account. The bank personnel refused, citing that the bank " always '' pulled a credit report for new customers. I objected and indicated to the bank personnel that the hard inquiry changed my credit score for the worse as if I had applied for credit from the bank. In addition, I did not receive a disclosure regarding the bank 's use of the credit score, or the fact that I did not, nor do not intend to apply for credit from this bank. In the bank 's privacy statement it indicates that the bank will use information obtained about a customer to solicit credit products. I could not object to this use, and am thus now penalized as though I had applied for credit when I did not! There are other means to verify identity when opening a deposit account ; I object that the bank utilized a credit bureau report to verify my identity without my permission.What I seek is the removal of the Compass Bank credit inquiry at the credit bureau and remove credit information obtained from such report from my customer profile at the bank so that I am not solicited for credit products. If I had known that this bank would pull a credit bureau on a deposit account, I would not have opened the IRA account with them. Now I am stuck with this account at this bank without the ability to transfer the funds to another bank because of IRS rules.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (MO)

I am getting double charged for the amounts of the purchases I make. On XXXX XXXX I was charged XXXX then the following few days I was charged {$17.00} again. Then I made nother purchase in the amount of XXXX and was charged the following day {$27.00} on my account. This resulted in my account being placed over the limit and me not being able to shop online. This is a terrible system. I called into Nordstrom to let them know. Everyone besides XXXX was non chalant about it and said its our system we cant do nothing about it. Thats not fair to people who want to shop and for use their credit card. Its just not right. It 's greedy, and unethical