davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCB Management Services Inc. (MT)

NCB Management Service called my husband on XXXX XXXX, 2017, about an alleged debt I owe and told my husband the name of the creditor, the amount of the debt, and last payment made to the alleged creditor. The debt collector also tried to get my husband to " take care '' of the debt. My husband asked if he was on the alleged debt, and he was told his is not. I called the number my husband gave me and instructed the debt collector not to contact my husband or any other third parties about the alleged debt. The representative claimed he could call whomever he wanted to discuss the alleged debt, then asked me to verify personal information. I refused, and told him I did not trust his tactics. He said he would transfer me to his supervisor. I waited on the line, but nobody ever came back on the line. The debt collector attempted to contact my husband again on XXXX XXXX, 2017. On the same day, I sent by email and certified mail a request for validation of the debt.
Consumer complaint received 2016-08-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

Pioneer Recovery ( A Navient Co. ) employee, XXXX XXXX XXXX, called our neighbors this morning and left them a written massages with the collection case # s and info of our unpaid college plus loans we took out XX/XX/2000, asking them to hand the message over to us physically by my neighbors. 
So, what kind of harassment are they trying to humiliate us in our neighborhood? 
I 've visited Pioneer Recovery web site boasting as a leading provider of collection service with 13 yrs. of wealth of experience in non-tax government collections. Does this mean they are acting on behalf of our XXXX government? ... 
My husband just XXXX at the age of XXXX as a XXXX and I am a XXXX by training, still working as a self-employed XXXX with my husband 's help. We never had any vacations in our 38 yrs. of marriage life and continuously worked XXXX in XXXX market. 
Our home has been on the market in last 11 months and still have n't found a buyer. We 're trying hard to manage the situation with dignity on our part but our options are limited. 
What would Pioneer Recovery do next pursuing their collection attempt, are they going to contact our bank and take our house away? ... Thank you for letting us to write this complain, we do n't know where to turn to.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX 2016 I received a notice from CapitalOne " XXXX Credit Card '' about an apparently fraudulent charge of {$880.00} to my account. I confirmed to them ( by phone ) that I was unfamiliar with the company making the charge, and had never had any dealings with them. They assigned a case number : XXXX and sent me a letter acknowledging the problem. I have since had repeated messages on my answering machine from XXXX of their agents stating that they require more information to settle this matter, and instructing me to phone back. XXXX attempts over a period of several days to reach this agent at the phone number he provided have been directed to his voice mail, which claims that he will phone me back. He does n't, and my attempts to reach him are in vain. A protracted conversation yesterday with a customer-service representative resulted in her earnest promises that I would be called back with 18 hours. I have heard nothing since. I am concerned that having no opportunity to provide CapitalOne with whatever information they require about this fraudulent charge will result in their holding me responsible for it. I need someone to prod them into accepting my calls.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XXXX XXXX I used a Promotional Offer Access Check from my Bank of America Credit Card account ending in XXXX. The amount of the check was {$4200.00} and the only fee for the transaction was a XXXX % transaction fee which {$4200.00} x XXXX % = {$170.00}. The {$170.00} transaction fee reflected correctly on the statement as did the {$4200.00} check amount, however on page XXXX of my XXXX XXXX credit card statement, the total amount I was charged was {$4500.00}, {$100.00} MORE than the XXXX % transaction fee. The transaction also had a promotional APR of 0 % until XXXX XXXX which has not been reached yet, so no other fees should have been tacked onto this charge, yet alone the first month the charge went through. I called Bank of America today since I just noticed this discrepancy today after viewing my statements. The first customer service representative I spoke to looked at the XXXX XXXX, XXXX statement, thought it was odd, said she would put me on hold and talk to her supervisor, and I was simply transferred to another customer service representative who I had to retell my issue to. He was not helpful, could n't explain the charge, and then made up some crazy story that I have a revolving minimum APR charge of {$62.00} per month ( which I do n't have on this account.. and never have- I 've had this credit card since XXXX -- I would have long ago cancelled this card if such a charge existed ). Even the numbers he came up with did n't add up to the excess of {$100.00} charged to me on my statement. I keep getting the run around when I call Bank of America and I feel like I 've been a victim of credit card fraud. If they 've done this to me, they may have done this to others and it is not right. I would like this matter properly investigated as it is n't fair for me to have to pay an unauthorized fee that should n't be there, and its not a small amount either ( {$100.00} in excess ). So when you add up the total fees charged, I was actually charged a total transaction fee of {$270.00} which is {$100.00} MORE than the listed {$170.00} fee.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (TX)

I respectfully request full investigation and based on the information I have provided I request the SOUTHWEST CREDIT SYSTEM be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. SOUTHWEST CREDIT SYSTEM needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (KS)

A couple months ago I contacted the company SW Credit systems ( SouthWest ) after noticing them as a collection account on my credit. They advised me it was an XXXX XXXX XXXX bill however I do not have XXXX XXXX XXXX. I informed them it was as an result of identity theft at what point they instructed me to go online to get forms to submit to XXXX XXXX XXXX. I did as they instructed however they still have not removed the item and still have me in their system.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (CA)

For three years I have been submitting documents to the servicer of my loan XXXX XXXX XXXX which they consistently seem to lose documents until the application and my hard work at information gathering is no longer valid under modification programs. I have submitted four full packages to this company. They continually tell me that there is a representative assigned to my case and that person is never available. Further, the person who I do end up speaking to gives me information contrary to the last person I spoke to. In addition, as the company is working on a modification with me, they are having a third party contacting me and threatening me with a foreclosure sale date. ( DUAL TRACKING ). I have also sent two certified Qualified Information Request to determine the Forensics of my loan. XXXX responds with a letter stating I 'll receive the information and then I never do. Also, the Trustee simply sent me a notice of Default without ever mentioning exploring options to avoid foreclosure. In fact other than sending me 7 copies of the Default notice and possible sale date, Quality Loan Servicing has not sent me any correspondence despite the fact that XXXX is still working on a modification. Also, the " trustee '' has not demonstrated that it is the holder of the beneficial interest under the deed of trust, the original or substituted trustee, or the designated agent of the holder of the beneficial interest, as specified. The documents also fraudulently state that they to contacted me on XXXX/XXXX/2013 to meet requirements of California Civil Code XXXX XXXX THIS DID NOT HAPPEN and the fraudulent date was a year before I started working with XXXX on a modification. In addition, I believe that XXXX and Quality Loan Servicing are acting with purpose in this process in attempt to defraud the Federal Government.
Consumer complaint received 2016-04-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

On XXXX XXXX I applied for a payday loan from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX now called Big Picture Loan. My loan amount was XXXX. I expected to pay a finance fee and maybe an initiation fee however after 3 payments of XXXX all deducted from my XXXX checking account I called to payoff my loan. I was informed to payoff my account on XXXX/XXXX/16 I would need to pay XXXX??? On a XXXX loan? The interest on this loan appears to be 200 %. That can not be legal on the United States. I asked the representative where she was and she stated the XXXX. Any assistance with this matter would be greatly appreciated. I only borrowed XXXX
Consumer complaint received 2017-08-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I am not sure if my Loan through Navient is a federal or private loan but while reviewing the National Student Loan Data System I can see only two of the 5 loans I received which is an FFEL Stafford subsidized and non subsidized. The problem I am having is with Navient and XXXX XXXX XXXX is who they use to service the loan. I applied for forbearance the first week of XX/XX/XXXX and submitted all information required in a timely manner. I did not hear back from XXXX for a month and a half. During that time I made two {$20.00} dollar payments instead of the usual {$98.00}. I spoke with XXXX XXXX and advised I would make payments as I could but they still asked for {$140.00} for the next three months until the account is current again then and only then can I re-apply for forbearance. Keep in mind that I have made my monthly payments for the past six years without an issue. My financial situation has changed and Navient is not willing to work with me on this issue. I was advised to contact you by attorney XXXX XXXX of XXXX XXXX on behalf of the Project For predatory Student Lending.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This case should be adjoined to case XXXX and involves both XXXX and Capital One. As per the previous case, I had two fraudulent transactions in the total amount of {$670.00} taken from my XXXX checking account on XX/XX/XXXX under the " moniker '' Capital One online payment. I have a Capital One credit card account that has AutoPay scheduled and these 2 transactions occurred at the same time my approved AutoPay payment was also taken. In an attempt to protect myself I placed a " outgoing transaction freeze '' on my checking account at XXXX, and removed AutoPay from my Capital One account. On XX/XX/XXXX I opened a NEW XXXX checking account, and re-established the AutoPay with Capital One with the NEW checking account. On XX/XX/XXXX two NEW fraudulent transactions were completed on my NEW XXXX checking account with the same " moniker '' of Capital One, and again were taken out at the same time my authorized AutoPay payment occurred. I suspect this is a LARGE SCALE AND CONTINUING BREECH on the part of Capital One and XXXX, n that as soon as a deposit holder enters bank account info in AutoPay for Capital One with a XXXX routing number, their data is being provided to some party to commit fraudulent activity. On XX/XX/XXXX I immediately ( XXXX am ) contacted both Capital One and XXXX to inform them of this issue. XXXX has indicated they will investigate the claim and return the {$120.00} that was removed from my deposit account. XXXX was not at all helpful and only could suggest I open yet ANOTHER new checking account. Through a laborious question and answer with the? XXXX representative ( over 2 hours on the phone ) I was able to discern that I could place a " stop payment '' on all Capital One transactions f I paid {$30.00}. I authorized this but was outraged that I should have to pay {$30.00} to protect my account for a data breech occurring at XXXX and Capital One. XXXX told me that it Is the responsibility of Capital One to do more than that. In speaking with Capital One, they said " well we ca n't see the transactions on our side on your account so not sure what we can do ''. I finally was able to reach a person in the Office of the President at Capital One who said my previous claim is being investigated by XXXX ( XXXX ) and I should contact her. I contacted XXXX TWICE to inform her of the NEW issue on a NEW deposit account, no return call has been received. Given that I have been in the financial services industry for over 15 years, and 6 in the regulatory compliance arena, I am frustrated with the absolute lack of concern of consumer fraud by two of the largest financial institutions. I am fortunate enough to know enough about consumer protections to submit this claim and protect my account, however even with that I am now resigned to having to send CASH MONEY ORDERS to Capital One for payment on my account given that I had to place a " stop payment '' on my account. What is this 1962? For the billions of dollars that have been spent in this industry, I am outraged.
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for XXXX of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 
From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up. 

The lawsuit names Navient and two of its subsidiaries : Navient Solutions, the corporate division responsible for loan servicing operations, and another subsidiary, Pioneer Credit Recovery that collects on defaulted student loans with the parent corporation. All three entities are charged with systematically making it harder for borrowers by incorrectly processing payments or failing to effectively act when borrowers complained. Instead of assisting borrowers with available options for repayment, CFPB charges that borrowers were steered into forbearance, a temporary and high cost solution that suspends payments but allows interest rates to continue accruing.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (IL)

Dual Trucking regulation is violated with CFPB rules Establish strong Protections for home owners facing foreclosure.Need your help Fay Servicing is in process looking a workout solution to keep my home but at the same time XXXX XXXX. wants to precede with the foreclosure the property they are requesting at the XXXX county court XXXX XXXX hearing date is coming on XXXX XXXX at XXXX room XXXX
Consumer complaint received 2016-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I applied for a Citi Gold checking account in XXXX/XXXX/2016. Citi offered {$500.00} cash bonus if I fund $ XXXX to my account and maintain that minimum balance for 30 days and the bonus should be posted within 90 days afterwards. I fulfilled all the requirements and now after several phone calls Citibank refuses to honor the bonus.
Consumer complaint received 2016-11-01
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Credit Adjusters, LLC (VA)

A company called National Credit Adjusters called my wife and left a message for me to call them back I was to call XXXX at XXXX. I returned the call, she said I owed about XXXX dollars for a XXXX XXXX pay day loan from 2013. I said I do not remember this and have not seen it on my credit report. She tried to talk to me about filing a police report. I asked them to send me the source documents, I asked for any history, contract anything they had, she said ok and put me on hold. Then a man answered who was loud, rude and bullying, he was asking personal questions and refused to agree to send me the source documentation or history. I was nervous because they knew so much of my personal information, he even went as far to ask if I was married and accuse my wife of taking out a loan and not telling me ( I wasnt married at the time of this supposed loan ). I asked to speak to a supervisor several times, he kept saying ok but continuing to ask me questions and would not agree to send me the history of the account. I wanted the history of the account, so I can see for myself what it is and research it. They kept asking if I was claiming fraud, I said I did was not because I need to see the documents and review them before I decide if it is something I did or paid or what it was in regards too. Finally they transferred me to a supervisor, he said he was the floor supervisor. He was polite and apologized at first for the other individuals comments. Then he started asking me very personal questions and I refused to answer. I gave them my updated address and asked for the source documents again, they claimed they did not know what I meant. I specifically asked for any history, contracts, original creditor info or anything they had, they said they would file it as fraud and kept asking if I was claiming fraud and what my bank account number was. I just kept asking to please send me the information. Then he said he was going to sue me, I said go for it, he said now I have you recorded saying to sue you, I said if that is what it takes to see the documentation then ya sue me. I also informed them I was military, the man then said he was a XXXX XXXX ( was obviously lying ) and said I would be in trouble with the XXXX for this. I am nervous about how much they know about me, they new my family members, old addresses, and the banking institution I use. They were defiantly harassing and threatening.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX on XX/XX/year> under the account number XXXX with a balance {$700.00} charged off. A charge off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to Congress 15. US code 1681 2AI no transactions or experiences are allowed to be on a credit consumer report. I have never received a 1099c form from the creditor. There are multiple inaccuracies being reported on my report. One of which you have reported charge-off for multiple months and a charge-off can ONLY be charged off once per the consumer law. Also this charge-off is reporting a credit limit. This is misrepresentation the account is charged-off the credit limit can not be used so it can't be reported on a credit report. This account has resulted in fraudulent charge-off/ write off appearing on my consumer XXXX credit report. XXXX has deleted this charge-off so Equifax needs to be in compliance by following suit to accurate reporting and deleted with Equifax immediately under 15 US code1681 N Negligence and non-compliance reporting to my credit report. 
Under the Fair Credit Reporting Act, I am exercising my rights under 15 U.S. Code 1681 N I request that you update my credit report accordingly. 

Please confirm receipt of this letter and provide me with the results within the timeframe required by law by deleting this account with the credit bureaus. I have attached ALL needed documents per my attorney and FTC these documents must be used to prove accuracy of my report. Per the FTC trying to say their document is invalid is an act of fraud by Equifax and should not stated to the consumer.