davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (TX)

I have provided this information to BSI Financial Services, the mortgage company, before many times on the phone and in emails. I have also provided letters from my bank explaining the problem and I have provided all information that BSI requested, including my relevant monthly bank statements showing that my wife and I tried to deposit BSI 's check 2 times early in XX/XX/year>2024 and that it was returned. The issue is that we had an escrow overpayment to our BSI mortgage account. BSI issued a paper check which we tried to deposit, and our bank, returned that check, " Returned Check Charge Back Item '' in XX/XX/year>2024. Our bank researched this issue and wrote a letter explaining which I forwarded to BSI along with my relevant back the latter requested by BSI. I have called multiple times and emailed multiple times. I received a reply through some XXXXrdparty ( who apparently received the reply by mistake, I have no idea the relation to BSI ) one time explaining to me that I could request a stop check and they would issue a replacement check and that they would help me do so. I requested this help that they issue a stop check and reissue a replacement via multiple emails and during calls with BSI and NOTHING happens. I have also requested that this issue be escaleated to BSI XXXX  XXXX  duirng a call and supposedly was transferred to a XXXX  voice message and I was told the XXXX would call me back, and in over 2 weeks since then and I have received no communicaiton back from BSI.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

XX/XX/year>, I updated my XXXX on the XXXX XXXX XXXX website. I lost my job the day before and went to an income of {$0.00}. I was placed into forbearance why the recalculation occurred. During the two weeks I had to have my husband update his earning because we file taxes jointly and provide additional information. My new XXXX payment was recalculated to {$0.00}. 
XX/XX/year>, XXXX XXXX XXXX confirmed via email that I updated information. Confirmed XXXX 
XX/XX/year>, XXXX placed me into administrative forbearance. 
XX/XX/year>, XXXX placed into administrative forbearance. 
I was at {$0.00} repayment from XX/XX/year>- XX/XX/year>. 
XX/XX/year> - My new loan servicer - Aidvantage- took {$410.00} from my account. I was not issued a notice of loan repayment start, I was not issued a notice of what my expected payment would be or the opportunity to petition. I am currently under-employed, far below what I use to make, but the {$410.00} is what my payment on XXXX was prior to me losing my XXXX job. 
XX/XX/year> - I reached out to Aidvantage. After waiting on hold to speak to someone, I reached Aidvantage representative XXXX. I explained to XXXX that I was up until recently unemployed and am now underemployed. I asked for my funds to be returned and to be placed on a proper XXXX payment plan. XXXX blamed my bank and said I should reach out to my bank. He said my account is shown as delinquent on their end, even though my bank account shows a now posted transaction. I explained to XXXX that my funds have been withdrawn and that I should not be paying anywhere near what I was charged by Aidvantage. I requested Aidvantage provide me with documentation to show me how they calculated my new repayment amount and to explain to me what information they received from my previous loan servicer ( XXXX ). The Aidvantage customer representative said he could assist there. He lied. He placed me on a hold for XXXX minutes before pushing my call to an end of call survey. I gave them the worst rating possible. The call was then terminated on their end. Aidvantage did not follow proper notice procedures. Aidvantage is ignoring my updated income based recalculation from XXXX. I am severely overpaying my student loans, I am {$410.00} dollars short, all the while on their end, they list me as delinquent on a payment I should have never had to make. Please help me get further information and resolve this issue.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Last year I moved to California from Illinois. I opened a new checking account with XXXX Bank in LA. I put my CITI Bank XXXX and COSTCO cards on autopay with the new account. I used the Illinois routing no. For the new account instead of the new LA bank routing no. And the payments were denied. By the time I realized my mistake the Citi bank card people cancelled both cards and will not reinstate them. No reason given to me! 
I have received an XXXX XXXX card, an XXXX XXXX card and a XXXX bank credit card in XXXX day. 
I need my COSTCO Visa card to purchase gas. 
Can you help me? I have no bad credit issues!
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I had talked to chase bank in XX/XX/2020, they keep charging me XXXX fee every month. The account has a XXXX balance, so they started to take money out of my wifes account which went below the banks minimum requirement and then they started charging her an overdraft fee. No one called us to let us know what is happening, the last time I talked to the bank I had told them to close my account if they are going to keep charging me fees. They did not close it. 
They refunded me 4 months of fee when I talked to them today, but I dont understand how they can keep charging a fee when the account balance is XXXX. Who ever looks at an account that has no balance. 
I need them to refund all the late fees and overdraft fees they charge me. And also refund all the monies in my wifes account. 
Thank you.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (GA)

Complainant submitted payment to Merchant ( Barclays ) on XX/XX/2020 - several days prior to the due date of XX/XX/XXXX. Merchant failed to post payment until XX/XX/2020, thus putting Complainant into " late payment '' status. 

Merchant failed to issue account statement for period of XX/XX/2020. Complainant recognized on XX/XX/XXXX - seven days AFTER payment was due - that Merchant had failed to provide statement. 

Merchant 's failure to timely post Complainant 's payment in XXXX caused Merchant to retroactively charge promotional interest deferral to Complainant. Complainant immediately called Merchant on XX/XX/XXXX to initiate correction. 

Merchant refused to remove interest, and also notified Complainant that Merchant " has reported the account delinquent to the credit reporting agencies. '' At no time prior to Complainant 's initiation of contact with Merchant on XX/XX/XXXX did Merchant attempt to contact Complainant for any reason. Merchant did NOT issue account statement to Complainant. Merchant did NOT attempt to contact Complainant to inform its intention to report Complainant account as past due.
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Bayview took over the servicing on our mortgage that we are behind on. We had an attorney that we hired to help us obtain a loan modification since our payments had increased. We were in a hardship situation due to the death of the primary supporter of the residence who was on the mortgage. Our attorney told us in XX/XX/2018, that we needed to file for bankruptcy to help get the mortgage modified. However, the attorney was incorrect and the bankruptcy court reprimanded him and dismissed the bankruptcy. On XX/XX/2018, we received NOTICE OF TRUSTEES FORECLOSURE SALE set for XX/XX/2018. We contacted Bayview to explain the situation with the attorney and that we would like to have a modification and keep our home. They instructed us to submit a Hardship Application. They said that they needed the copy of the death certificate and will so they could speak to us. I submitted those items immediately and received a notice on XX/XX/2018 from Bayview thanking us for submitting the application for loss mitigation. On XX/XX/2018, we submitted a Hardship application with all financial information that Bayview had requested. On XX/XX/2018, Bayview sent a letter thanking us again for sending the application for loss mitigation saying that within 30 days of their receipt of documentation, they will provide us with a written decision regarding our eligibility for an assistance program. On XX/XX/2018, Bayview sent another letter stating they had received the request for assistance from us, but were unable to consider this request because the submission date was too close to the proximity to the scheduled foreclosure date. I then contacted our loss mitigation representative, XXXX XXXX XXXX who told me that there was nothing we could do and that Bayview will not consider our application because we were within 37 days to the sale date. I pleaded with him for any help, including a short sale, deed in lieu of foreclosure, anything except the actual foreclosure. He said absolutely there were no options for us. On XX/XX/2018, we were informed by a private third party company, that our home WAS NOT LISTED FOR FORECLOSED ON XX/XX/2018. Subsequently, we have now learned that the actual posting date for foreclosure is XX/XX/2018, which is more than 37 days since the Hardship Application was submitted to Bayview. We have never heard back from Bayview again nor any attorney representing them. Our application should be reviewed and considered since we did submit it within the time frame Bayview requires. We were never given any rights to appeal their decision. We were given NO options or advice on how to proceed. We are upside down on our home due to structural foundation problem and hail damaged roof. We would like to keep our home and want to bring our account current, but need Bayview to help us.
Consumer complaint received 2024-09-26
Product: Credit 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: DISCOVER BANK (NJ)

Someone fraudulently pretending to be a service provider used my Discover credit card to make a {$1000.00} purchase. 
These are the events that led up to me being scammed. 

We are an older couple who went through a difficult experience of selling our home and moving to a XXXX XXXX 
XXXX, the internet service provider, sent a promotion for internet connection to our new place and I called them to sign us up for their services. 
I could not do it from our place due to no phone service and went to the community general area where I spent a very long time and was under duress. 
The person working with me managed to connect my husband 's phone, but said she could not connect mine and advised me to call XXXX providing me with the phone number. 
The person who responded took me through another very lengthy process of having me open an app and going through the same process many times checking various personal information, including Discover credit card number. 
I ended up dropping XXXX because of this difficult experience and signed up with a different company. 
Then on XX/XX/XXXX I got an email from XXXX XXXX alerting me that there was someone trying to log into my account. Another notification on the same date informed me that I made a purchase of a gift card in the amount of {$1000.00} and that it will be shipped to me. 
Od course, I never received any gift card and have immediately informed Discover about this fraudulent charge. 
I realized then that I have been scammed and have informed all the companies whose information I provided to send me new cards. That included Discover and XXXX XXXX XXXXXXXX. 
XXXX XXXX has informed me that someone was trying to connect my card to XXXX wallet and issued me a new card as well. 

When I received the latest bill from Discover with a {$1000.00} charge on it, I immediately called them to question it. 
They never informed me that my claim was denied, just put this charge back on my card. 
The fraud department representative said that since I provided my credit card number, the request was denied. 

Obviously if I suspected that I was in fact not talking to XXXX representative, I would have never disclosed any personal information. 
This was a very sophisticated way of defrauding me under strenuous circumstances, while pretending to be helping me. 

I am appealing to you because I believe it is unlawful for Discover to make me pay this charge when I am clearly a victim of fraud. 

Thank you. 
XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NC)

I was surprised to see a negative report in my credit score. When I dug deeper, I saw that IQ Data International has reported an unpaid debt which has hurt my score. 

I do not have any unpaid debt with my previous rent. I had closed out all accounts with the rental company when I handed over the keys. 

I had not received any bills from either the rental company or the debt collection agency. 

I suspect either this is completely fraudulent or someone has stolen my identity.
Consumer complaint received 2023-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian XXXX XXXX XX/XX/XXXX do not recognize this account, I would like out to be removed XXXX XXXX XXXX XX/XX/XXXX account is closed would like it to be removed
Consumer complaint received 2024-09-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (MN)

Scammer acting as debt collection agency. Various people online have had the same or similar tactics used on them. Someone posing as XXXX from Shepherd Outsourcing looking to collect a debt from " my '' XXXX account. I have never had XXXX and they're no longer in business after their merger. There are links in the text message I refuse to click and a missed call from an unknown number using ( XXXX ) XXXX. They have an 888 number in the text that is ( XXXX ) XXXX. With a Reference # XXXX.
Consumer complaint received 2018-06-20
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: Prosper Marketplace, Inc. (MS)

This company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.
Consumer complaint received 2021-10-19
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: CITIBANK, N.A. (VA)

Hi, This is a complaint against Citi Bank credit cards. On XX/XX/XXXX  I placed an order on XXXXcom for a device in the amount of {$220.00}. At the end of XXXX I asked the company for a refund, because the product had not been shipped. The customer service representative agreed to refund, but no refund was ever issued. So I contacted the credit card company and disputed the charge. They " investigated '' for about two months and a week ago they sent a letter saying that they will not refund me the money. So now, three months after the purchase date, I have no product and no refund. According to Citi Bank there is nothing I can do. I believe Citi Bank is violating the Fair Credit Billing Act. They don't provide consumers any protection against merchants who take their money and don't ship the products. 
Please let me know if there is anything you can do. I have attached the order invoice, and the letter from Citibank saying they will not reverse the charge. I have also attached the communication I had with the company asking them to cancel order and issue a refund. I have sent them several emails since XXXX, but there was no reply thus far. 

XXXX XXXX
Consumer complaint received 2024-10-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SANTANDER HOLDINGS USA, INC. (MA)

I LOST MY JOB IN XX/XX/XXXX AND WENT ON UNEPLOYEMENT. IN XX/XX/XXXX THE UNEMPLOYMENT RAN OUT. I WAS WORKING WITH RCAP AND RAFT IN ORDER TO RECEIVE HELP WITH PAYING THE BACK MORGAGE. THE LAST PAYMENT I MADE WAS IN XX/XX/XXXX. RAFT/RCAP NEED THE MORGAGE STATEMENTS IN ORDER TO APPORVE THE PAYMENTS WITH FOR THE BACK MORGAGE PAYMENTS. I HAVE BEEN COMUNICATING THIS WITH SANTANDER AND REQUESTING THESE STATEMENTS. ACCORDING TO SANTANDER THEY NO LONG HOLD MY MORGAGE AND THE MORGAGER HASNT SENT ME A STATEMENT SINCE XX/XX/XXXX. I HAVE TOLD THEM TO KNOW AVAIL THAT THE ONLY THING I NEEDED WAS A STATEMENT BECAUSE I WAS APPROVED TO HAVE THE BACK PAYMENT PAID FOR ME BY RAFT.
Consumer complaint received 2018-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I bought two airline tickets through XXXX XXXX six months before the flight, I cancelled three months before the flights, XXXX XXXX refused my refund on my XXXX credit card, XXXX is the holder of the account, after several months Portfolio Recovery was given the debt to collect, we agreed on a 12 month payment of {$55.00} monthly, after six months of paying on time, my seventh check was returned to me with a letter that the would not accept this agreement, I called them and was told that the agreement was in error but now they will accept the payments for 36 months instead of the original agreement of 12 months.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ChexSystems Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Removal of Personal Information under XXXX XXXX Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : 1. XXXX*Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) 2. **Addresses : ** : XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per XXXX XXXX guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXXXXXX  -Expires : XX/XX/XXXXXXXX XXXX XXXX