davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This issue with Bank of America and XXXX. 

On XX/XX/XXXX and XX/XX/XXXX transactions were made in error via XXXX to the wrong person. 

BOA and XXXX were contacted on XX/XX/XXXX about the error. Both pointed at each other about how to resolve. On XX/XX/XXXXspoke with an agent in the Move Money Dept of Bank of America. Who provided me a claim # and stated it would take 10 days to investigate. On multiple occasions, I have contacted the bank of the error and no one has a process to rectified a human error. I received confirmation today that they are closing the claim and not issuing my funds back into my account. I have email confirmation that this was done in error.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (FL)

Company Name : Great Lakes Company Type : Private Year Founded : XX/XX/XXXX Phone : ( XXXX ) XXXX Website : www.mygreatlakes.org Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX I have two student loan providers Great Lakes and XXXX. And Great lakes is horrible. 
I am completely dissatisfied with Great Lakes. I have both a subsidized and unsubsidized loan at a higher interest rate. I am writing this complaint to warn CFPB and other students who have loans or any associations with this company. Make sure to document " everything. " There is some serious unethical practices going on with this company and someone needs to make them accountable for what they are doing to consumers. They are not competent to manage any data in regards to loans. This is ruining my life, I lost the house I was in contract to buy right before it closed. Now I am stuck, and someone else bought the house it took me 2 years to find! My credit went from XXXX to XXXX.. 300 point drop form a 90-180 days or more past due DELINQUENCIES I Filed disputes with Credit B 's and I even called on XX/XX/XXXX and speak with the agent XXXX XXXX XXXX and the supervisor XXXX Ext XXXX I also emailed her. she looked into the account and could n't explained why my old account ending in XXXX from XX/XX/XXXX was still showing up as negative when I have a new account ( XXXX ) thats positive and paid as agreed she also advise me to dispute the old closed negative account which I explained to her I did multiple times and its still there. I only hope is to file a complaint to get those late payments or entire old account removed. I have been making all my payments and understand it is my responsibility to pay my loans. This is seriously effecting my life, already lost the house, now my car is breaking down, and can not get approved to get another one because of these late payments. The late payments were reported on XX/XX/XXXX through XX/XX/XXXX on all three CB '' s as serious delinquencies. I currently have an account that I 've been paying on time for 12 or more even when my account is in forbearance I still call in and make a payment. 
The dates are listed below. 

XXXX ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2017-11-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

Prior to the date of XXXX XXXX, XXXX, myself and Navient came to an agreement for all of my loans for a monthly payment in order to avoid any of them going into delinquency. Prior to this call I had attempted to make numerous payments to them which went on for months with which they would not accept. They stated for me to wait for the documents in the mail that I would need to sign off on them and then send them back in order to finalize our agreement. I waited for the documents and then when I did not receive them I called the company to reassure that they had sent them out. The representative stated that they do not send documents in the mail and that the account is now in delinquency status and that I was late on a payment following our agreement. I then stated that the previous amounts had been agreed to be forgiven and that they were going to start from scratch with me beginning in XXXX, but that I was supposed to be receiving the documents. I never received the documents and they stated that not all loans are going to be brought out of delinquency status. I stated that I was in school getting my XXXX XXXX XXXX and that I had been accepted into the doctoral program and I asked if they defer me further. I asked for a full investigation into this matter and for all phone calls that I have ever had with Navient to be fully investigated. They then stated that they went back to several dates and that they had determined that they agreed on a fixed amount per month for one loan, but not all loans, and that they had not stated that they were willing to start from scratch with me in order for me to be able to make payments based on what I had experienced with them in terms of trying to make payments and them stating that they would not accept it. One stated to me that they would not tell their employees to say that they would not accept a payment. They stated that I had some how used up my deferment status. I feel like one person against those that run this business that have incredibly deep pockets and that they are taking advantage of the fact that they have the ability to not have to live up to par with the law. Lastly, I received a call from them for a payment and it turned out that my father stated that he had a payment and they too had stated that they had not received a payment and my father was correct that he had paid on my behalf.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Applied and was accepted by American Express Gold Corporate Account. In the course of Activity, parties unknown accessed the account, illegal created 4 addtional accounts, continued to cahrge with out authorization using the Company Name and American Express. It appeared to this former Company Officer that Company Vendors and Merchants were used to access Company Charging Activity to develope customer profile of sole authorized user. In additon, XXXX XXXX XXXX indicated that the legitimate Company Charging Activity was not recorded in the proper Calendar Year of 2015. Individual Transactions, hard copy records in possession of sole authorized user, currently inacccessible. However, this user has in Response to American Express Collection Attempts which included State Supreme Court Action, requested in writing and verbally over recorded collection telephone conections with American Express Call Center and Fraud Operations Staff requested copies of the entire active account history in attemps to located illegimate transactions to no avail.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX a made a purchase for some hair named boho locs on their website in the amount of {$150.00}. I selected priority 2 day shipping for faster delivery. On XX/XX/XXXX I received an email from the company indicating that the package was on the way. 

Four days later on XX/XX/XXXX I emailed the company asking for the status of my package because at this point I still have not received any tracking information and considering I paid for 2 day shipping and its been 4 days since its been shipped, this package was now considered late. 

On XX/XX/XXXX, I received an automated generated email in the amount of {$17.00} which appeared to be for the priority shipping that was paid by me. After receiving the refund email I now noticed that the shipping information was now available and was showing a delivery date for XX/XX/XXXX when the package shouldve arrived on XX/XX/XXXX. I emailed the company right away advising them to contact XXXX  to have this package rerouted and returned to the company and issue me a refund as I was leaving for international travel that evening and would not be home to receive it since it was now late. 

The company emailed me back advising that they can not have the package rerouted back to them. As planned, I left for my trip on XX/XX/XXXX and returned home on XX/XX/XXXX or XXXX. There was no package at all at my home. I emailed the company advising them that I did not receive a package as I was out of the country. I did not get a response. I contacted chase bank and filed a dispute for the amount since the package was delivered outside of the shipping date I paid for and for me not getting it. Chase issued me a temporary credit. 

On XX/XX/XXXX I received a notice from Chase advising that the temporary credit will be removed because they are in favor with the company. I called right away to get further answers about the reversal and the agent at Chase told me that the company provided them proof that the package was delivered. I asked the agent how can the company provide proof of delivery when 1 ) there was no signature confirmation upon delivery and 2 ) I was not in the country to receive it and 3 ) Chase did not ask me, the customer of any proof of me having an issue and my email correspondences to the company about my package being almost a week late and with my requesting the package be rerouted to begin with. 

A week later, chase deducted the temporary credit. As a result I ended up paying for a package I never received.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc. (TX)

I contacted On-site which is a screening company for an apartment I applied at. After disputing inaccurate information and On-Site removed the information to reflect the correct info. Then Onsite went back and changed the information that was completely inaccurate to something that was grossly inaccurate. The information they provided to the apartment, was even worse than it was before when they have the original report. I have copies of all the reports and they all state something very different. They have clearly and negligently proved erroneous and false information which is in direct violation of federal guidelines set forth by FCRA. I have contacted my attorney and asked that he file claim against On-site for defamation, fraud and negligence. I spoke to a rep who could n't explain or justify why they proved inaccurate information about me to a potential landlord. Then I asked them why when they changed the information they did not provide me 5 days notice which federal guidelines dictates they are required to do under the FCRA. The rep stated they need to verify and that 's why they went back and changed the info. When I stated that it should have been verified before changing my report to reflect the right info before, the agent got an attitude. I then asked to be transferred to a supervisor and I got hung up on.
Consumer complaint received 2017-10-25
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. (PA)

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XX/XX/XXXX, I received a notification that Hunter Warfield, Inc had been added to my credit profile for a collections of {$1500.00} and that the credit file had been opened on XX/XX/XXXX.  Since XX/XX/XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place. I was actually disputing the charges with XXXX XXXX XXXX ( this is who the original company is ) as I do not feel that the charges are valid. I lived in their apartment complex for 2 months, gave noticed to vacate, ( this was a month to month lease ) and handed over the keys. I also requested to be present for the walk thru and was told that I would receive a date, that never happened. Months later, I received a notice from XXXX XXXX XXXX, advising that I owed for damages and cleaning, I attempted to call and received no communications from this company until XX/XX/XXXX, when it showed up on my credit report from Hunter Warfield.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Attempting to sell our house in a short sale with Bayview Loan Servicing. The process has been ongoing since XXXX XXXX. We finally got an approval to close on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was a minor change regarding funds to close. It was submitted back to Bayview. They had stated the investor had to review it and that a rush was put on it. On XXXX/XXXX/XXXX we have still not heard back. I attempted to call and was given a XXXX 's name to call on XXXX/XXXX/XXXX as they were going to reach out to the investor. It appears from my point of view that this company is attempting to delay this closing of the mortgage. The buyers are greatly affected by the lack of urgency or even timeframes that are never provided. This has been a horrible experience. The realtors, title company, and lawyer advised to file this complaint as they have never experienced a situation like this in the past.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (CA)

On XX/XX/year> I was contacted by text ( XXXX ) claiming they bought my debt from XXXX XXXX XXXX. They saId the name of the business was ZIons Debt Holdings but they never identified as a debt collector. 

I immediately disputed the debt and sent proof to the email I was provided, XXXX I did not get a response from XXXX. 

On XXXX XXXX, 2024 I was alerted by XXXX that a negative entry was placed in my credit report. Upon investigation I learned it was from Zions Debt Holdings. 

I immediately contacted XXXX, Zions Debt Holdings and XXXX XXXX disputing the debt. 

On XXXX XXXX, XXXX XXXX  responded acknowledging the error and told me they would remove their entry from the credit file and that they notified Zions Debt Holdings of their error. I immediately notified ZIons debt Holdings. 

Despite having proof the debt is not valid. Zions are currently refusing to clear my name in the credit report.
Consumer complaint received 2017-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XXXX XXXX, XXXX a XXXX Checking Account of {$260.00} was opened with the Citizens Bank in XXXX, CT as a requirement for an IRA account. The IRA was moved on XXXX XXXX, XXXX and the checking account was left. Unbeknown to us, because of insufficient funds ( {$5000.00} or less ) in the bank, a charge of {$17.00} was being removed from the account on a monthly basis. We had no idea that this was happening! No contact from the bank was ever made to alert us either by mail or e-mail. We have never received any statement from the bank from the onset. We never agreed to an e- statement they said we did. 
I filed a complaint with the State Banking Commission who sent it along to another because of not being of their jurisdiction. The case no. Assigned is XXXX. 
I received a letter from theCitizens Bank XXXX XXXX with copies of statements showing the depletion so that we never received! They also refunded one half of the funds, {$130.00}. I called her and explained the above and said that was all they were willing to do. Please look into this matter.
Consumer complaint received 2017-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

well from the very first day when I bought this new vehicle I was getting calls from these people or loan company and every day since they call me about 15 times a day and I have a business to take care of and this why I have truck to work with because I need it to do business for my company and if they call me every time I will not get my work done and right now I been doing my best to get ahead of what is going on with my complete financial problems due to a woman which I got mess up with and trust me, I am not trying to do nothing wrong to my loan people who finance my vehicle, but I feel they are hassasment me on these matters each day when they call me over 15 times a day, please have it stop
Consumer complaint received 2017-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WV)

My son needed a loan to start college. He then decided to go into the military so the loan was deferred. He was in the XXXX for 6 years. When he got out, he started school. Unfortunately the school he was at for a few years lost their accreditation and he was living in Idaho. He had to basically start over. Since the loan has been there for 10 years, they are demanding payments that he can not afford. He is still in school struggling to get his degree. He has no income. They are refusing to help us set up an income based payment plan for him. We can not afford these payments. They should help him defer a few more years or create a payment plan based on his income. They have not been helpful at all. I am very disappointed in the system. The interest he has been paying is ridiculous and adding up every day. This company needs to make special accommodations in these situations. He took 6 years of his life to protect our country and there is n't any protection for him?
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Paypal, a company I very seldom us billed me {$110.00} for a service I do not use. I requested a refund to my credit card and they declined it and sided with the seller. I haven't been able to find the seller other than they are in XXXX. 

XXXX XXXX  is my card holder and I have placed a fraud complaint with them.
Consumer complaint received 2017-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (DE)

Company left voice messages about an undisclosed " matter '' requiring attention on my home and cell phone. After returning their calls, the company refused to mail any information about the matter or even provide their company mailing address so that I could write to them. They claimed to need to verify my personal information ( last XXXX of SS and birth date ) before they could do anything. Total SCAM!