davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc. (MI)

Received a phone call from XXXX at my place of employment on apprx. XXXX/XXXX/2017, and it began just like this ... ..I answered the phone, the woman ( XXXX ) on the phone stated that she is calling to inform me that she is seizing my home and current vehicles for a debt that is said I owed. She further proceeded to ask for my bank routing and account information and credit card information to prevent her " field agents '' she has in the field from coming to my place of employment to arrest me and seize my property and banking accounts, or they 'll be waiting for me outside of my workplace to collect. 

I asked who was she and where is she calling from. XXXX stated that she is calling from XXXX and it 's the XXXX XXXX XXXX XXXX and she needs the money Now!. I asked that they not call my place of employment and gave another number to contact me. XXXX called that number and I asked for a " Letter of Validation '' be mailed to me to view said debt. XXXX stated that they do not mail letters and the only way to get one is through email. To date no letter has been received. 

On XXXX/XXXX/2017, I received another call at work from the collection agency using false pretenses. A gentleman caller said he was looking for me to repair a printer at my employer and needed to speak to ... ... ( myself ) to confirm repair. ( I work for a gov't entity and there is no need to contact me ). I asked for a name and phone number and he proceeded to say XXXX than he disconnected. 

*I 've asked that this company not to call my employer ; but continue to do so. 
* This company did not disclose communication that it was an attempt to collect a debt nor did they say the call was recorded or etc. 
*This company did not do any verifying of person they were trying to reach. 
* This company continues to harass me and use scare tactics and falsely claim to be other individuals or companies. 

I 'm scared out of my wits and the harassment and scare tactics are causing me undue XXXX.
Consumer complaint received 2016-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

My wife and I have consolidated federal student loans through Navient. We are both going to graduate school and both sent in student loan deferment request forms. We have been going back and forth with them for weeks. The first time we called, they claimed they did n't have my wife 's form, but had my form so we sent hers again. We then get a denial letter and when we called, they said it was because they did n't have my form, even though the first call they said they had mine. So, I had my school send it again. Finally, we got an APPROVAL letter and that our deferment was effective immediately. Two days later, we received another denial letter. WHAT?? The letter states they did n't have my form, in which I sent it AGAIN. I was flabbergasted how they could send was an approval letter and 2 days later send a denial letter. Now they have both our forms supposedly but state mine is n't filled out properly. Keep in mind that our schools have to fill these forms out ... .they do this all the time. My advisor states the form she filled out is filled out the same way she always fills it out and this is the first time she 's had a problem with it. I 've been off and on the phone with them for weeks with no resolution. Have the time I 'm on the phone, the representative barely speaks English and she doens't undertstand what I 'm trying to get across. I have proof of approval and then 2 days later a denial and now no one at Navient seems to know what to do. Please help.
Consumer complaint received 2016-08-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (CA)

I have had student loans for approximately ten years with ACS as the loan servicer. I have had multiple issues with this company. They took my original loan amount and split it into XXXX loans. Now my credit report gets double affected when I have issues with their company. The customer service people do not speak XXXX well therefore, every call is around 1 hour long. They have to put me on hold for every question I have so they can discuss the issue with their manager. As soon as I was notified of my forbearance ending, I mailed in an IBR application on XXXX/XXXX/XXXX. I received no response as of XXXX XXXX. I called to see why no response and they stated that I had n't sent in the required documents. I had sent in my XXXX tax returns with the application. They stated that I needed to send in my XXXX tax returns. This unnecessary delay caused my IBR application to be approved on XXXX XXXX, XXXX while my forbearance had ended XXXX XXXX, XXXX. The month of XXXX has been billed at the original amount of {$380.00} and {$400.00}, too large for me to pay. I am able to pay the amounts approved of {$93.00} and {$100.00} but ACS is expecting me to pay the XXXX payment of {$780.00} ( XXXX loans which were originally XXXX ) before I can pay on the lower, more affordable amounts. ACS has done this multiple times over the years : horrible customer service, lack of responses to my applications until I call in, they have lost multiple forms I sent in over the years and now my credit has suffered tremendously due to this company I do not want to do business with. My student loans were at {$50000.00} 7 years ago, now they are at more than {$85000.00}. How can I get help with this account and have the IBR amount effective as of XXXX XXXX, XXXX so I can afford these payments? Also, how can I get XXXX single account instead of XXXX? I would like to refinance with another servicer as soon as possible. 
Thanks, XXXX XXXX
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America closed my credit card account in error. On XXXX/XXXX/16 I inquired about an APR reduction on my credit card account as I had excellent payment history, a long-term established relationship with an account that is twelve years old, consistently increased income and credit score over the past several years. My request was declined but I requested to speak with a supervisor for a secondary review and was promised a call back within one to two business days. On XX/XX/2016 I received a call back from a supervisor regarding the XXXX reduction and was declined a second time. During the call I discovered my current card had expired in XX/XX/XXXX so at the end of the conversation with the supervisor I requested to close the card until I could locate the new card that was mailed to me. After failing to locate the new card I logged in to my account to see if there was an option to order a card with a new number. At that time I noticed my credit availability had disappeared on the screen so I called Bank of America and was informed that I had closed my account and they were not able to issue me a new card with a new number. I attempted to resolve the issue though several managers but was told that I must go through the credit approval process ( providing updated personal information as well as a potential inquiry into my credit report ) to reopen the card. I explained to several managers this situation that occurred and that this account had been closed in error. All representatives were unwilling to help and insisted that I go through the approval process which would possibly count as an inquiry on my credit report.
Consumer complaint received 2016-11-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Performant Financial Corporation (MD)

Debt collector, Preformant Reco, telephone number XXXX has made repeated calls to my place of business. These calls continue after multiple requests to XXXX & XXXX. Company persists in calling and has been told that the employee they are attempted to contact is no longer with the company.
Consumer complaint received 2016-07-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (NH)

I cosigned a college loan of my daughter 's in XX/XX/XXXX. The Lender was XXXX XXXX but it was assigned to National Collegiate for collections. 
My husband and I filed Chapter XXXX in XX/XX/XXXX and the court granted us a discharge in XX/XX/XXXX. When we filled, we were told that no college loans could not be included in a Chapter XXXX bankruptcy. Immediately after the our Chapter XXXX discharge, we filed for Chapter XXXX protection while we worked out a payment plan for IRS back taxes and and this college loan. We completed all Chapter XXXX payments in XX/XX/XXXX and were granted a discharge XX/XX/XXXX. 
The original college loan amount was {$30000.00}. Prior to the Chapter XXXX Bankruptcy we had paid {$9900.00}. The total of payments made to National Collegiate through the trustee were {$7300.00}. In total we have paid XXXX/National XXXX a total of {$17000.00}. 
It was our understanding when National Collegiate accepted the Chapter XXXX payment plan, successful completion of those payments would satisfy the loan. Now they want us to cover a " net charge off amount of {$26000.00} ''. Given this, what if anything do we rightfully and legally owe National Collegiate. 
National Collegiate has told our lawyer we were given until XX/XX/XXXX to respond to their demands, so this matter is of some urgency. Please let us know what rights we have in this case and recommended the next steps. 
Thank you very much for your time and we are so glad you exist. 
Sincerely, XXXX
Consumer complaint received 2016-08-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC. (CA)

There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to XXXX to the current holder, ECMC. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. XXXX/ECMC is not only reporting this inaccurate account on all XXXX of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from XXXX XXXX, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by ECMC. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor ECMC ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both XXXX XXXX XXXX and ECMC again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an ECMC staff member, informed me that ECMC sent an email on my behalf to XXXX XXXX XXXX on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.
Consumer complaint received 2016-05-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX has default judgment against me for a GE Care Credit Card debt. I was NOat served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for GE Care Credit I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years GE reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (GA)

WE HAVE SEVERAL ACCOUNT WITH THIS COMPANY WE HAD A FAMILY EMERGENCY MY DAD PAST AWAY I CALLED EVERY ONE OF THERE CARDS AND TOLD THEM THAT WE WILL BE OUT OF WORK AND OVER SEAS AND WAS PROMISED NO LATE FEES WILL BE ASSESSED BUT THEY DID AND REPORTED ME TO CREDIT BUREAU AS LATE WHICH RUINED MY CREDIT SINCE THEY HAVE MOST OF MY ACCOUNTS
Consumer complaint received 2016-05-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America refuses to refund {$40.00} in fees I paid for checks that turned out to be invalid for the purpose the bank promised. I needed certified checks valid for one year. I asked Bank of America if its certified checks were valid for this duration and was assured that such checks issued by Bank of America were valid for three years despite the 90-day expiration date printed on each check. I paid {$40.00} for XXXX certified checks, or {$10.00} per check. The checks were rejected because the recipient has previously been unable to deposit Bank of America 's certified checks beyond the 90-day expiration date. When I returned to Bank of America, the manager was able to refund the value of the checks but told me that, due to " technical reasons, '' she could not refund the additional {$40.00} in fees. Nobody from the bank can seem to figure out how to refund the cost of the checks. Bank of America should ( 1 ) stop providing conflicting information about when its checks expire ; and ( 2 ) issue a refund for the {$40.00} I paid in reliance on the bank 's faulty advice/product.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX, 2015, I made a charge to my Capital One Master Card in the amount of {$48.00} to XXXX XXXX XXXX XXXX in XXXX, WV for a deposit on a lodge reservation. I called XXXX XXXX on XXXX XXXX, 2015, and cancelled our reservation, which was within their cancellation policy, and they were to refund the deposit. XXXX XXXX made the refund to my Capital One Master Card on XXXX XXXX, 2015, however ; they erroneously made the refund for {$590.00} instead of {$48.00}. XXXX XXXX tried to do a charge back for the erroneous balance but it was declined. I have been working with XXXX XXXX since then in calling Capital One to have them return their money. Capital One refuses to return the balance to XXXX XXXX. My account is currently on hold due to payment issues as I am XXXX. This should not even be an issue as Capital One is only entitled to {$48.00} credit which was the original charge amount. XXXX XXXX has told Capital One that they made the error. I am being held hostage by Capital One as they will not release the money back to XXXX XXXX until I pay my account up to date and keep it current for 60 days. This is not in any way my error and I do n't understand why Capital One feels like they can keep someone else 's money. This has been going on for weeks with phone calls and XXXX!! Capital One should return the money to XXXX and deal with me for my personal account which has nothing to do with the merchant! This in my eyes is illegal and the XXXX has thrown my XXXX XXXX putting my health in a bad place right now.
Consumer complaint received 2016-08-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (PA)

I 've been a customer of yours for years, and I tried to refi with you to drop my pmi. I was told you needed a an appraisal of the house and charge me {$500.00} for it but before I gave you my visa number I was informed that if the loan didnot go thru I would be refunded. I did not think there would be a problem because on XXXX and XXXX my house was valued over {$110000.00} but my appraisal came in at {$100000.00} Seriously? How can both internet cites be that far off plus homes around me recently sold over {$120000.00} ( see attatched ) so my loan did not not go thru and you only refunded {$170.00} of my {$500.00} Are you willing to lose a loyal customer who has always payed on time over the {$320.00} you still owe me? Here are home values close to me SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX :
Consumer complaint received 2017-09-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My home was forclosed on in XX/XX/XXXX, 2017. I had been working with BOA for months to do cash for keys or a shortsale, or even a modification. I went to an on location mobile help site set up by BOA to sit down and speak with a loan counselor and they were not able to assist me because the loan was FHA. ( this was not stated in the letter advising us that they had on site help ). I kept in touch with my siingle POC but they changed often sometimes even twice a month. I submitted all of my paperwork when they requested and was in contact with them up until the day of the sale. The rep stated they had had my paper work prior and was reviewing it. They said to me that they could postpone the sale and did not. I lost me home and because of that me my son and my grandchildren were homeless. I asked the rep what happened why couldnt they postpone the sale she stated it was a " mistake ''. 
I did every thing they asked of me, over and over again, package after package and they did not keep up their end. I understand that I signed a contracual agreement and BOA agreed to work with me and did not uphold thier end. As a result, we were homeless for the 1st time in my life, it is tramatic experience for me and my family, and it affected my health.
Consumer complaint received 2016-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (AZ)

ISSUES WITH PROPER PAYMENT ALLOCATION TO THE PRINCIPLE BALANCE AS AGREED FOR FUNDS IN EXCESS OF THE MINIMUM AMOUNT REQUIRED. IN ADDITION ACS XXXX XXXX HAD REPORTED A DELINQUENCY IN ERROR OVER 6 YEARS AGO THAT IS STILL SHOWING IN MY CREDIT FILE AFTER MULTIPLE DISPUTES THAT HAVE NOT RECTIFIED THE MATTER. THANK YOU FOR YOUR TIME AND EVERYTHING THAT THE CFPB IS DOING TO HELP REMOVE FRAUDULENT PRACTICES FROM THE SYSTEMS YOU OVERSEE.
Consumer complaint received 2016-06-24
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Investment Retrievers, Inc. (TX)

XX/XX/XXXX, I voluntarily returned a XXXX Nissan Sentra to XXXX. After the car was returned and labeled as a voluntary repossession the car was then sold at auction and collection for the remaining balance was sent to me for payment. 
Some time passed and no payments were made toward the collection and the balance was sold to Investment Retrievers. Investment Retrievers attempted contact with me regarding payment on the debt. I did advise at the time I have been unemployed was unemployed and had no additional funds and was looking to file for bankruptcy. 
Additional time passed and I was served with a document and it was a notification that I was being sued by Investment Retrievers. I later received a notification of a judgement filed. 
Still not in contact with Investment Retrievers I later discovered that on XXXX XXXX, XXXX there was an attempt to withdraw {$11000.00} out of all my bank accounts with XXXX XXXX XXXX XXXX. This attempt was made on all three of my accounts for the same amounts and all are on hold leaving me no access to any funds to live. The only notification that I received was on Friday XXXX XXXX, XXXX that was a letter for a XXXX XXXX notice of garnishment. That is a violation of his privacy to have his private information and data be sent to me in error, I suppose. 
I believe that they have no right to garnish my assets and all holds should be removed. Nearly all debts I have are outstanding due to my financial situation so it was not intentional to not make a payment when able. The opportunity never arose to where I was in a position to do so. Also, had I been able to maintain the payments on the vehicle, I would have kept it, so there is surely no way I 'd be able to pay the total amount owed on the vehicle. The debt collection process was far too aggressive to even go as far as trying to retrieve funds out any bank account of mine. I did n't keep the property of XXXX, I volunteered it because I could not afford to pay any longer. 
Please see the attached documents of what I received from them regarding this garnishment that 's not applicable to the open case I have with Investment Retrievers.