davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc. (MN)

I co-signed on a loan for my spouse as she completed her XXXX XXXX degree. She graduated and 4 months later enrolled in her XXXX degree program ( XXXX ) which she is currently enrolled XXXX. The XXXX loan issuer ( Firstmark/Nelnet ) has demanded repayment of the loans while she is enrolled in her XXXX XXXX program despite their website stating that full time enrollment qualifies for deferment. They are threatening collections, credit bureau reporting, and other scary actions. We have attempted to work with them and provided documentation of her full time XXXX program but they have rejected this. We are unsure what to do and have nowhere to turn for help.
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was recently charged an extensive amount of Overdraft fees in the amount of {$100.00} and a monthly maintenance fee of {$12.00}, totalling {$120.00} in fees added to my checking account above. 

My account was originally overdrawn by Bank of America on XXXX/XXXX/16 in the amount of {$12.00} for a monthly maintenance fee. Then subsequently you they allowed XXXX to charge to my account rather than declining it an additional XXXX on XXXX and XXXX on XXXX ( Resulting in additional overdraft fees totaling {$100.00} ). I was not aware of XXXX charging this amount to my account for a onetime credit report we pulled and have since cancelled and you will see a credit of XXXX on XXXX and still pending a credit from them for XXXX.
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (OH)

I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( 3 ) below are not mines. 

View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$3000.00} Needs Attention
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted Trans Union who removed them all which raised my score and reduced my number of inquiries and added them all back today. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (CA)

I 've been dealing with the collection agency XXXX @ XXXX. I was given a Settlement XXXX 2016, when given the settlement I advised the representative that I did n't have the funds for the {$180.00} settlement at the time. I then called them XXXX/XXXX/16 asking for a settlement to get the matter resolved by XXXX/XXXX/16 with help from my sister to resolve this matter. Per a XXXX, XXXX and XXXX with Adastra they advised me that they no longer have settlements avalible? I stronly disagree with them not choosing to allow me to settle the account when I 'm trying to get this cleared. I 'm a single mother with XXXX income trying to take care of my responsibility.
Consumer complaint received 2016-06-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Case # XXXX BOA still has not refunded my money. I spoke with them today and they promised the same thing as last time : " We will be sending you a check ''. 

I have been hearing this same verbiage for XXXX months now and still have no check. Please help me.
Consumer complaint received 2016-06-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX spoke with the relationship manger at Bank of America modification department name XXXX and I was informed all the documents were received and the sale date would be put on hold. The number the documents faxed to at bank of America was XXXX. I contacted the attorney that was handling the foreclosure was told named XXXX at XXXX. The documents that was requested to complete the modification submitted was quit claim deed since wife was not living in the house any longer. That was approved on XXXX. I contacted Bank of America and was told on XXXX that per XXXX XXXX at Bank of America that they had the incorrect address and I have been contacting them every day and no response. Now I was told that they do n't know if the house is sold or if servicing rights have been transferred. I have not received any notices. I have been defrauded out of my house and I want answers. Spoke with XXXX today and she told me at the law office that XXXX did not contact them and the confirmation of the sale is XXXX XXXX and I will be their with my documents to show the judge that Bank of America only requested the Quit Claim deed and I have proof that on XXXX confirmation for XXXX XXXX previous CFPB case number XXXX and his number is XXXX extension XXXX and has not been in contact with me for three weeks now. I was told my property went to sale on XXXX the following day of receipt of the quit claim deed request and was told the sale date was post ponded. That was not true though. My consumer protection specialist is my witness to XXXX XXXX that has been trying to help me from loosing my home. I will be court on the XXXX XXXX. Please assist.
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery of GA ( latest number XXXX ) keeps calling. XXXX research indicates this is a collection agency. I owe nothing but a mortgage which I pay monthly. I have no debt problems. XXXX research indicates this firm just calls and calls. I understand if they believe a person owes a debt, they must write a letter indicating the particulars of the debt. I have received nothing from this firm. What can be done to stop this firm from calling and leaving no information about the purpose of the call. thank you very much XXXX XXXX XXXX
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I originally had a credit card with them and paying around {$230.00} a month. I had sent XXXX check XX/XX/2012 and was told that neither were received. When checking my bank statement to verify if that were the case I noticed they were deducting {$650.00} a month for a life insurance policy. I never agreed to nor signed any type of documents for a policy or authorizing {$650.00} to be drafted from my account. I requested proof of the authorization or even a signed document for this policy and they indicated they did not have to provide because there were Bank of America. I then obtained an attorney to get this resolved. I refused to pay anything else to Bank of America until they provided me evidence of the life insurance policy and authorizing payments to be drafted from my account. The total amount they drafted for that bogus policy was {$6500.00} however, I agreed to not sue for the balance if they would settled the credit card for {$1200.00} and release any and all claims or is successors against me. My attorney has been trying to get them to respond and to date they still have not.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On a visit to a nightclub in XXXX, XXXX several unauthorized charges totalling over {$9000.00} USD were incurred on my credit card - I also lost the card that night and reported it as lost to Capital One the following morning. 

I initially filed a fraud claim for the unauthorized charges, but that was declined because as I was physically at the club for part of the night - they then transferred this to the dispute department and that was also declined as the merchant claimed the actual receipt copies I provided were not from their establishment, but those are the only receipts the merchant provided to me and these are the charges I was expecting to pay for. 

The interesting thing is the timestamp of the receipts I provided are around the same time the other fraudulent charges were incurred so do n't understand how I could be in XXXX places at once. 

Additionally, I did some internet research and found out that this merchant has been involved in several other credit card fraud complaints - I also provided this information to Capital One, but that was not taken into consideration. 

One of the fraudulent charges is for {$5000.00} and another is for {$2500.00} - these are quite huge amounts and yet I did not receive any alert or phone call from Capital One to indicate a possible fraudulent transaction or get confirmation on whether I approve the charges .... However, I was in a bad part of XXXX once and made a {$35.00} purchase and that triggered a call about a possible fraudulent charge. 

I have not made any payments for any of the amounts claimed by this merchant and I have stopped using this credit card - please let me know what options are available as this is grossly unfair and seems Capital One does not care about my side, but I do feel they should bear some responsibility for not alerting me before authorizing such huge charges, especially in a foreign country.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

My home is scheduled for sherrifs sale XXXX XXXX, XXXX. I have been asking every since I got the " according to our records '' letter from Caliber home loans for some sort of proof that they own the loan. I have most recently asked for a copy of the note and have not, as of yet, received it. When I have asked ( and I have asked multiple times ) why it is not yet registered with land records that Caliber now owns the loan, I was told it was submitted on XXXX XXXX, XXXX and is pending. Not only until I questioned this and contacted land records myself, so I get the response from them, oops, sorry, that was wrong. I have downloaded, from the sherrifs sale site that XXXX owns the the loan. It was submitted XXXX XXXX, XXXX and filed XXXX XXXX, XXXX. How can Caliber sell my home if they are NOT the owner of the loan?
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Information Management Corporation (WY)

I have asked Account Information Management Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-06-14
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (VA)

I inherited a home from my grandmother after her death on XXXX XXXX, XXXX. She had taken out a reverse mortgage on the home before she passed, but when I notified the company about her passing they told me that I needed to submit paperwork to them. I immediately started the process of giving them whatever they needed from me and then they informed me that I to file the paperwork in court. I did so, and sent them all of the necessary documents at least four times, along with the notice of intent that was mailed to me ; stating that we intended to refinance the home. They never sent us back any correspondence, not even a pay-off request letter but started foreclosure proceeding in XXXX XXXX. I was told this from the law firm that they hired to do the auction sale. I received notice of this on XXXX XXXX, XXXX via certified mail from their attorney stating that the home was going up for auction on XXXX, XXXX at XXXX. That stated that they never received any paperwork from me, but I said that this is not true because if you never received anything from me, then how is it that the attorney that you hired to handle the proceedings knew that I was the executor of my grandmother 's estate? They could not answer this question. Then they went on to say that they could n't speak to me because I 'm not authorized on the account. Lastly, as of XXXX XXXX, XXXX I spoke to XXXX at Reverse Mortgage Solutions, and she said that they received some of the paperwork from me but not all of it. I told her that this is far from the truth and that I had just sent everything over again 3 times. XXXX copy certified, XXXX copy faxed, and the last copy regular mail. She then notified me that they would need a request pay-off letter from me, and a letter of intent, along with a request to stop the sale. I have again complied with everything that they have asked of me, but at this time I feel that they have failed to do what they needed to do to ensure that my grandmother 's home is saved. Can you please help me?
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I submitted a complaint to XXXX, XXXX and Equifax and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint to XXXX, TransUnion and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have behind on my mortgage due to lost my job and my wife got XXXX. It had been more than 8 month long for me and I finally come to solutions that need to short sale my house. We submitted the request and lender SLS did not accept it and they said not enough time and even though my realtor called they said they dont have any other options to me other than foreclosure. They keep misleading information by submit the package before 21 days and 15 days and then they said they need 30-60 days to review. Sorry they have to foreclosure my house. I want them to help the struggles family like me to find solutions than foreclosure.
Consumer complaint received 2016-06-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc. (GA)

The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of medical identity theft. Some one have obtained medical services using my name. The health records that XXXX XXXX maintains about me include information that is wrong and actually about some XXXX else.I have contacted XXXX and they have removed that information.. I am working to identity the effects of the medical identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.
Consumer complaint received 2016-06-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

American Express sent me to collections. I began paying the collection agency ( XXXX XXXX XXXX in XXXX ) every month and when I did, I received a notification from American Express via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to American Express. When I call American Express, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that American Express gave me for XXXX XXXX, they answer the phone, saying, " American Express '' and say they are not XXXX. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2015 I called Bank of America to start the process of modifying my 2nd mortgage on my principal residence. By XX/XX/2015 we had reached an agreement on a modified loan and payment that worked for me. During this process I was told by my account rep. ( XXXX ) and another acct. rep ( who I did not get her name ) that because I did not payoff the loan amount of $ 500k which matured on XX/XX/2015, to keep making the interest only payments on time, but they would be counted as late payments since I did not payoff the loan in full. They also said that once we get this loan modified that Bank of America would go back and clear up and remove all of my " late '' payments. I trusted what they told me, but now that I have done what was asked of me ( to make the 3 trial payments ) they now are telling me that they do not do that. They will not remove the 39 late payments off of my credit report. I feel like I have been mislead and lied to by Bank of America. About 30 days after the loan was modified I called BofA and the rep at that time said to give it more time for them to do that, and now I am being told they just do n't do that.
Consumer complaint received 2017-03-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

On Friday XX/XX/XXXX I received a credit from Wells Fargo of {$200.00} on Account # that ended up being a temporary account and then I received a bill for another account # supposedly new account. I pulled my last bill and it had a different Account which was my original account number. 
I walked to the Wells Fargo downtown XXXX, NC on Monday XX/XX/XXXX and XXXX XXXX, Personal Banker called Wells Fargo Home Projects and spoke with XXXX around XXXX He advised that Wells Fargo had closed my original account because they wanted to remove the Visa portion of the credit card and opened a temporary account in error as my Home Project account. XXXX could see my credit and they advised it would be moved to my new account. 
Since my newest bill was for {$340.00}, I deducted {$200.00} credit and did not pay late fee of {$27.00} as I was not late and Wells Fargo put on temporary account. I should not be penalized, so I mailed a check for {$120.00} as that was the balance and put credit remittance, bill remittance, explanation of deducting {$27.00} late fee and copy of XXXX 's card. 
I then received a letter dated XX/XX/XXXX from Wells Fargo explaining a Temporary account was generated in error and it appeared everything was straightened out. However, I received a call at my work on XX/XX/XXXX at XXXX saying they want to know how I plan to clear up my past due balance. I was so upset as I had already spent an hour personal time from my work the first time straightening this out. I told them I would have to get all my documents from home and return call as the person was saying I missed a payment and I knew I had n't. 
I pulled all my history for a little over a year and I have paid every payment a few days to a week before the due date and have been paying extra and I usually pay at a Wells Fargo. My regular payment was {$160.00} and in XX/XX/XXXX I paid 2 months ( {$320.00} ) and then after that all except for 2 months I paid {$200.00} a month. 
I now have next months bill saying I am past due {$40.00} and there is a {$37.00} late fee. I would gladly pay if I was truly was late and truly past due however if you take {$120.00} + {$200.00} credit = {$320.00}. My newest bill even shows payments {$320.00} other credit {$27.00} late fee so this should have been settled. However when I look on the right side of my bill it say past due {$40.00} and {$37.00} Fees charged. 
I was told my case has been turned over to XXXX XXXX and it may take up to 10 days, in the mean time my account gets more and more complicated. 
I have been paying extra to resolve this account and now I feel they are also messing with my credit as they can report me as late but I am not.