davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

We applied for a modification of my mortgage XX/XX/XXXX and the modification was approved XX/XX/XXXX. As of XX/XX/XXXX, we have not received any paperwork regarding the finalization of the modification from Bayview Loan Servicing. We continue to receive late notices from our primary lender ( XXXX XXXX XXXX ), as only partial payments are being reported.
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

I made a purchase with my debit card and the retailer processed it but claimed it never collected, so I was instructed to cancel my order and re-order. I did so and my money was not refunded. I disputed the transaction with SunTrust and provided all the documentation from the retailer showing the transaction, the cancellation, and the details of the amount ( {$720.00} ). This dispute was placed on XX/XX/XXXX and every time I inquire about the status, I get a canned response that they are " still looking into it. '' It 's been almost 3 months, I 'm a single working mother and need that money back. Suntrust has refused to provide any details about their " Investigation ''. XXXX XXXX, the retailer, has offered to do a conference call with Suntrust, but I was told that is " not procedure ''. Not only should the " investigation '' have been completely black and white, I should be provided with specific and factual updates as to their " investigation. ''
Consumer complaint received 2024-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

My loans were discharged under the PSLF program which resulted in a credit refund due to me : {$6100.00} on XX/XX/year>. Please see attached statement. I never received the refund. MOHELA says the Dept of Education issues the refunds. The Federal Student Aid Office ( previous complaint ) sent me back to MOHELA, whom I can never get ahold of and the only response I received via email is that I need to make payments because interest is accruing during ( during a time of forbearance ).
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I have had a checking account with Citibank for nearly 20 years. I set up this account with a no-minimum-balance requirement and with no-monthly-fee. Before XXXX I was never assessed a monthly service fee or a minimum balance requirement. 

Starting in XXXX XXXX Citibank began to assess me a $ 25 monthly fee for not having a minimum balance of {$10000.00}. They never sent me a letter stating the reasons for this fee ; I only had it explained to me in XXXX XXXX when I called to complain. 

I never agreed to this change in my account. When I asked for Citibank to explain in writing the change in my account, they refused. 

Citibank also refused to remove this monthly service charge, and told me I had to change to another " banking package '' to have it removed, but those " banking packages '' also assessed fees for a lack of a minimum balance. So I will be continually charged {$25.00} per month that I never agreed to.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

wells chg me XXXX on XXXX/XXXX/15 there is supposed to be no chg as this is a short sale. 

Weells is supposed to pay all atty cost, XXXX XXXX and to me XXXX in moving cost. 

They have yet to get a closing date on this pty.
Consumer complaint received 2016-10-22
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Systematic National Collection, Inc. (IL)

On Thursday, XX/XX/2016 I was contacted via text message by XXXX ( XXXX ) XXXX from Systematic National Collections ( SNC ) claiming to want to help resolve my outstanding debt. However, the texts from her quickly became inappropriate or " in the gutter '' as she put it. Making XXXX and asking what I am wearing. I told her that these texts were supposed to be professional and that I am married.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (PA)

I signed up in 2014 for a secured credit card and placed {$1000.00} up for colleteral. At that time I was told I would be switched to a unsecured card after 12 months of good payment history.It is now been a little over 2 years and have n't seen any change in that status.I was also told after a banker called the credit card office that it is periodically reviewed.I feel I was lied to on several occasion, being the first, which has been I havent XXXX converted as well I dont see on any of my reports were I have been reviewed by wells fargo for consideration in the unsecured card.I have over outstanding payment history with my bank as a card holder and bank account owner as well.I do feel valued as a true customer and dont being lied too.I do understand they take other things in consideration upon review as well, but the main concern should be my good business with the bank.Why bother putting money into a bank and the bank isnt willing to take a small risk with me as a customer.My report will show I have not had any missed payments on any accounts over 5 years or so and will show a lot of inquiries which arent not mine, but I being penalized for them, not your fault, I do have XXXX open accounts in good standing and a lot closed in good standing as well as good personal loan payments and auto.
Consumer complaint received 2016-10-22
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (NV)

i went to XXXX XXXX/XXXX/14 to buy a car. i found a 2014 mustang stock car with no upgrades, loon the sales man stated that the car was XXXX $ but that we can work down the price to {$19000.00} out the door, so i said ok ill put {$11000.00} down cash and finance the rest, so over a period of a year i was unable to keep up with the payments and was wanting to sell to a friend who would accept the payments so i called the finance company to see how much i needed to pay off the company. they stated XXXX i was confused and went down to gaudin and talked to loon and he remembered me and that i put XXXX XXXX so he said he contact me after he located my contract in the office. two weeks went by and nothing was heard, so i called and then he sent me supposedly the copy of the contract with the finance numbers not recognized. that total sales price of my car to be XXXX and a false signature made by me. i called gaudin and nothing. then my car was repo again and i was unable to keep up with all the extra fees and i let it go. my car was taken and they did n't contact me to get my belongings back nor when the auction was. i know for a fact that i did n't sign to by a XXXX XXXX i was told XXXX $ out the door. now im walking and am unable to get around. i have always maintain myself with a vehicle.
Consumer complaint received 2015-08-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC (LA)

In XXXX of 2014 I pulled a copy of my credit report and noticed a collection for {$1000.00} reporting with a company called XXXX XXXX XXXX. Because I had no clue as to where this account came from or who they were, I requested documentation to validate the account was mine. XXXX XXXX was unable to do so and they sent me a letter deleting the account from all XXXX credit bureaus. Nowhere in this letter does it say they sold the account to a different collection agency nor did I ever receive any communication whatsoever from Capio Partners giving me 30 days to dispute the validity of the debt per the law. I called them on XXXX XXXX and spoke to XXXX of Capio Partners representatives and asked if they had ever sent anything to me in the mail and they stated they had not. They also never sent anything following that phone call since it was the first point of contact they are given 5 days to send a letter regarding the collection account giving me 30 days to dispute the validity. Instead I sent them a letter requesting validation and besides the fact that they never notified me of them obtaining this debt, they have an itemized statements of my supposed medical records but do n't have a HIPPA release with my signature nor a promise to pay with my signature. This is extremely fishy to me and the fact that they did n't follow the laws from the beginning means this debt is illegally reporting on my credit report.
Consumer complaint received 2016-08-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (TN)

I purchased a XXXX Chevy HHR XX/XX/2013 from Drivetime for XXXX-XXXX. I ca n't remember the exact price because I do n't have the paperwork with me but it was in that range and I do have the paperwork. At the time I did not realize that this price was way too much for this vehicle. I admit I did not do my research. Be that as it may, some how I find myself 3 years and 4 months into a 6 year loan and I still owe over XXXX dollars on this car. This car in excellent condition for trade is only valued at $ XXXX- {$4300.00}. How is this fair? I 'm in the military and my family has grown since the purchase of this car and we really need to be able to trade or sell this vehicle for a larger one but we are upside down and trapped so it is hopeless and impossible. I 've have talked to several dealerships, private sellers and auctioneers, and even drivetime themselves to see if anyone can do anything for me and all of them have said it 's not possible with what you owe on the vehicle. I even tried to see if drivetime would allow me to trade to them for a larger vehicle and just roll the remaining balance into the new loan and they said I just owe too much. Which is crazy cause I owe exactly what they told me to pay for the vehicle. I 'm just lost and at my wit 's end and hope you can help me remedy this situation. I 'm not looking for anything extravagant or any extras I just want to be treated fairly so that me and my family can have the proper sized vehicle.
Consumer complaint received 2016-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Collection Services, Inc. (CA)

On XXXX XXXX, 2016 I began receiving up to three calls daily from what I believe is XXXX/ASCI Collection Services ( www.acsi-collections.com ). In the past month I have logged nearly fifty calls from eleven different phone numbers with similar calling patterns. To date, no call has ever left an intelligible voice message. I 've resorted to whitelisting contacts in my address book. 

As described on their own website, this company 's calling infrastructure is fully automated and allegedly makes up to XXXX unsolicited calls every day. 

I 'm complaining because I 'm almost certain that the debt in question is a case of mistaken identity. I have incurred no significant debts, past or present, and my credit score is excellent ( XXXX ). This company boasts about its ability to harass debtors and does n't bother to identify itself or provide contact information when they call.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (FL)

I set up a balance transfer from my XXXX credit card to my Wells Fargo credit card on XXXX/XXXX/2015 in the amount of {$7500.00}. The transfer was initiated through Wells Fargo, and they were to send the funds to my XXXX account. The balance appeared on my Wells Fargo bill very quickly, but has never been applied to my XXXX account. I 've talked to XXXX banks many times, but with no resolution. XXXX banks claim to have done multiple investigations to find the transaction from Wells Fargo to XXXX, and both claim to find no issue on their end. 

XXXX has informed me all they need from Wells Fargo is a transmittal report for the wire transfer ( which was described to me as a receipt for the transaction ). Wells Fargo says that they " do n't do transmittal reports '' or any other type of confirmation, other than their internal tracking number ( which is useless to XXXX ). When I asked why they ca n't give me a receipt, I was informed that it is their information and they do n't have to share it with me. 

I 've been trying to get this resolved for more than a year. During this year I 've been having to pay XXXX bills, not to mention the additional interest on my XXXX credit card ( about {$1300.00} ). 

Since this balance transfer was initiated, I 've only been able to make the minimum payment on these XXXX credit cards, instead of being able to pay down XXXX credit card. As XXXX cards have been close to their limits during this time, this has negatively affected my credit score. 

Neither bank is willing to communicate with the other to get this issue resolved, and I do n't know how to proceed. 

See attached file " XXXX '' for a summary of interactions I 've had with Wells Fargo and XXXX representatives in an effort to get the issue resolved.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have noticed unauthorized charges on my account statement from XXXX different companys.i I have never received goods or services from them.one from XXXX for the amount of XXXX and change and other from XXXX for XXXX and change.i tried to dispute it with the credit card company they ended up rebillling those charges.i am not going to pay for those unauthorized purchases.
Consumer complaint received 2016-09-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R & B Corporation of Virginia (VA)

Credit Control Corp promised to send me a report showing debt was written off on XX/XX/2016. And, send within 10-minutes by email a promised paid confirmation that I paid the remaining debt on XX/XX/2016. Today is XX/XX/2016, no paid receipt for the {$1200.00} debt paid by XXXX on XX/XX/2016 or the report showing that the {$560.00} was written off by a creditor has been received. These are proof of payment and normal business transactions. I have been anxious and worried that in today 's technology world, that the payment was not applied to my account ... identity theft, employee theft, etc. I still do not have proof today XX/XX/2016. My wife, XXXX XXXX, is handling this matter for me.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (LA)

The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) US BANK and resolved by the grantor ( s ) US BANK.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( us bank ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

On XXXX different occasions, written requests for information on origin of debt, the original lender, etc., was mailed and faxed. I to this day never received a response. Per my rights, I am asking XXXX to remove this debt from collections. I also am asking all credit reporting agencies to update per this request. I am also seeing that this debt is being listed on my credit report by creditor that closed and sold debt, as open again. As of 2011 it was written off.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or about XXXX XXXX, 2016 I contacted the Transunion CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
Consumer complaint received 2016-10-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: The Regional Adjustment Bureau, Incorporated (VT)

I received a letter from XXXX ( XXXX ), threatening a tax offset to pay for a defaulted private student loan balance. Under the FDCPA, a private loan lender can not seize tax refunds. Those actions are only available in collection 's on Federal Student Loans.
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MI)

Subject : in reference to previous case number : XXXX PNC bank appeared to understand that our family is under severe financial pressure and that we were trying to make sure that nothing automatic came to the account. We still did n't have money to fund the account for eventualities. However and unfortunately. Even after many efforts to change which bank funds come out of, these XXXX {$25.00} payments slipped through due to a several step process at the other bank 's web interface. 
This happened again, overnight, and, without notice and without a chance to cure anything, the account was thrust into chaos and is experiencing deep predation at the tune of almost {$200.00}. I ca n't even begin to think where I 'm going to get money to satisfy the depredation that is taking place. Call after call, I visited the branch manager, he called them too and was turned away. Our account is being held hostage by PNC. We have the XXXX dollars those payments debited. But they take their fines first so there 's no way to fill that hole. They 're forcing ruin onto us. PLEASE HELP US. We disputed their closure in the previous case, because this all happened so fast, the problem was almost fixed completely but in the last stretch, the bank has turned it 's back again.