davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

I 've been charged additional overdraft fees and I do n't understand Tcf practices. I have called and went into the branch several times to try and get help but it appears the people working for the company does n't understand the practices either. My online account never shows my end of day balance as negative however I keep getting charged fees. I have pending transactions they make me negative but I was told if I make a deposit before  XXXX  I would n't get charged fees. How am I getting charged fees for items that have n't posted yet? I have had this same issue before and I believe Tcf had practices that intentionally takes money from cudtomers. I was told it was a tool to help me and I 've done nothing but give my money to the bank.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Opened a few investigations in negative credit reporting o f ninety d ays late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,   XXXX   ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all   XXXX   credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I reporte d Portfolio Recovery bo th here & to the FTC on  XXXX / XXXX /  XXXX  , yet 2 months later, they continue to call constantly anyway. They call daily, sometimes several times a day, using differing phone numbers making blocking these creeps nearly impossible. I have read that this company is a collection agency that fraudulently tries to colle ct debts that are not owed. They purchase accounts that have already been paid, settled or discharged by  bankruptcy and illegally attempt to collect a debt that is not owed to them or anyone. I fully believe this because I DO NOT HAVE  XXXX  SINGLE ACCOUNT PAST DUE! Until recently, I only had  XXXX  very lo w balance credit  card that has NEVER, EVER BEEN LATE, so they HAVE ABSOLUTELY NO CAUSE TO BE CALLING ME! I have repeatedly verbally asked the Portfolio Recovery to stop calling me yet they CONTINUE TO CALL! I have asked nicely and I have told them angrily to stop calling!!! THEY CONTINUE TO IGNORE MY REQUESTS. I dont understand how they continue to get away with this illegal behavior. I will be having  XXXX   XXXX   XXXX  next week. If these phone calls continue and disturb me while I am trying to recuperate, I will BE CONTACTING A LAWYER! I am repeating this complaint to the FTC as well. I do not have an account number to provide and I WILL NOT provide my SSN so these frauds can use it for further illegal activity.
Consumer complaint received 2017-06-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has fraudulently capitalized on their error of misapplied funds, unaccounted funds, funds received but not applied, including inordinate delay of funds to fraudulently and deceptively  : ( 1 )   misapplied funds and took an inordinate time to restore ( 1 month 8 day  ) ( 2 ) l ost payments, payments not reflected on ledger  ( 3 ) m anipulated account ending in  XXXX   ( 4 )  cancelled a repayment agreement (  5 ) c reate and conduct a fraudulent escrow a udit ( 6 ) in tervened and paid the  XXXX  property taxes without prior notific ation ( 7 )  has fraudulently cited a  XXXX  Bank of America document as notification to pay property taxes  ( 8 ) ignored my concerns and violated my rights as a consumer ( 9 ) transferred my loan to another servicing prov ider without addressing my concerns
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WV)

XXXX XXXX XXXX  is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX / XXXX / 2016   XXXX / XXXX / 2016   XXXX / XXXX /   2016  Are all dates that disputes to  XXXX  have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.
Consumer complaint received 2017-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NH)

Since XXXX of 2014, Nationstar Mortgage has been telling me I 'm in default, then they send me thousands of dollars in in check saying my escrow is in excess, then they sent me notice that my escrow account is in default ... I have been fighting with them every two to three months explaining their XXXX and getting my account back in order and balanced ... I 've emailed the attorney general and the better business bureau of Texas, with no results or no response at all ... I am in the process of changing mortgage companies to get out from under Nationstar Mortgage but, now there telling me I 'm a month behind according to the attached letter ... I 've literally had to call and battle with these people upwards of thirty times ... I do n't know what to do now as these people cant understand their own reports ( see attached ) ... They have processed my XX/XX/XXXX payment but are telling me it is due its still due ... additionally they have been stealing money from my payments for late fees but, I have never missed a payment since day One ... I need help in order to complete my refinance ...
( docs attached )
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I send a letter to Equifax with a copy of my V irginia Drivers License, a  copy of my Social Security Card and a copy of a current bill showing my current address. I asked Equifax to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Equifax. They sent me a letter dated  XXXX   XXXX ,  2017  stating l must pay {$11.00} for the report, when i specifically stated to them in my letter l was requesting it based on adverse action. Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV webpage : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Equifax send me a paper copy of my report as state by  Federal Law.      Thank You  XXXX   XXXX
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

I 've submitted multiple times proof of my condo insurance, even send it through "  XXXX  '' per the servicer 's instructions ; howe ver AmeriHome keeps saying they do n't have it. I attempted to upload the insurance coverage again, and it tells me the document is already " in process '' and would not allow me to submit again. I do not want or need force placed insurance, as this insurance is paid through my HOA. I attempted to get information of to send my proof of insurance to the insurance department ; however I only end up with the phone agent 's own fax number, and the document is lost. I received a new letter stating my insurance coverage  is needed. Please help!
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX    XXXX ,2017  I went to ATM to take {$200.00} off my acct. Transactio n declined but American Express still debited my acct  for  XXXX  and ATM fees. I called them they told me I must dispute it. My AE bank acct was finally credit back my funds of {$200.00} almost 3 months later on  XXXX   XXXX ,2017.      XXXX    XXXX ,2017  I seen  XXXX  unauthorized transactions on my account from a company that wrote my card info down for  XXXX  and  XXXX  I calle d American Express Ser ve and told them they were unauthorized why these charges we 're still pending they told me a stop payment could n't be done and I had to let the thief 's take my money and to do a dispute once the transactions we 're completed.      XXXX   XXXX ,2017 I filed a dispute for both the unauthorized transactions  XXXX  and  XXXX  and was told it could be up to 45 days before my money was credited back to my acct. My card was canceled and a new one was supposed to be sent out so this could never happen again.    XXXX    XXXX  ,2017  American Express  credited my account for  XXXX  &  XXXX   XXXX    XXXX ,2017  Before I even had the chance to remove my money from my acct  American Express let th e same thief 's that stole from me before clear my account again. I called them right away as the unauthorized transaction of over  XXXX  is still pending asked them how this was possible if they canceled my card and they told me my card was never canceled and I had to wait for the unauthorized transactions to go all the way through and reopen another dispute. American express let the same thief 's that I just had a open dispute with clear my account again. So now I have to wait up to 45 days again for my money to be credited back to my acct and that 's if they give it back. Because of this my lights we 're turned off & me and my  XXXX  kids were evicted from our home. They have no sympathy for there mistakes nor do they care anything about there customers.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (CA)

I am divorced from a very XXXX man it has taken me 6 six years to free myself from him, this company found my Ex-husband looking for me. He went to my work today, however my employee knows of the XXXX and would not let him see me. he than waited by my car to tell me the company contacted him looking for me. This man is abusive physically and mentally by them calling they have now put my life in danger. I work in a place that now has to watch out for my visitors. How can they be allowed to just risk a persons life without finding out the details. This is awful from this point on I will be documenting all contacts with the company, if something should happen to me it will be on them
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IN)

Southwest Credit Services put a collection on my credit report onXXXX for XXXX XXXX and then posted a false payment on XXXX to keep it on report. XXXX XXXX has no record of me having an account with them using my name, address, old phone number and ssn. I have never been contacted by Southwest. If a true payment was made I want to know the account it was paid from because it was not mine. Southwest has many similar complaints on XXXX.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XXXX XXXX 2017 our title company sent a payment to Capital One as part of our closing agreement. When the payment was n't posting and Capital One could n't give information I called the Title Company in the XXXX week of XXXX. They told me the check had been returned to them ripped up even though they had followed Capital One 's procedures listed on the statement and they had reissued another check to them. I called Capital One and asked to speak with a supervisor. I spoke with XXXX ( ID # XXXX ) she assured me she would make sure they received the check that the title company issued for my account and my husbands account and she would make sure an interest fee was not applied since the original check would have made it in time to pay the accounts. She told me if she could n't find the check or there were other issues with the way the check was submitted by Monday XXXX XXXX she would contact me. I then closed both Capital One accounts. On XXXX XXXX Capital applied both payments ( one for my account and one for my husbands account ) to my account causing the closed account to be overpaid and my husbands account not paid. Rather than trying to deal with Capital yet again I figured a check would be issued back to me and we could pay my husbands account over the website. On XXXX XXXX I went to the website to see that instead of issuing a check to pay back the over payment Capital one had charged an interest fee. I called and spoke with XXXX ( ID # XXXX and then she told me ID # XXXX ) she told me that they would refund the interest fee and issue a check by Friday XXXX XXXX. By XXXX XXXX the account had nothing showing the interest fee returned and no check being sent out. On Saturday XXXX XXXX I again called Capital One to see what was going on. I was told that a interest refund had not been submitted and the agent talked with her supervisor and came back on the line to say instead of refunding the {$49.00} interest charge they just applied a {$50.00} credit and the check would be mailed out. The account is still not showing the credit and a check has still not been issued.
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

Constantly being steered toward forbearance instead of IBR. I 've never missed a payment, been paying about 5 years. Over the last 5 years I 've learned this company is incredibly difficult to communicate with, and when you do get someone on the phone they are often not knowledgeable and less than helpful. However, the most recent customer service issue is why i 'm writing this complaint. I reapplied to IBR again ( no thanks to Navient ) about a month or so ago. I received confirmation that i had completed the application and also received an email stating my new payment.This morning I got another email from them stating my payment would increase soon? They had not in fact processed my application. When i called to get it straightened out the rep once again just tried to steer me into forbearance without even mentioning that it would cost me even more over the long run. they 've done this multiple times and i had to learn the hard way that forbearance is not just a " break '' from payments but actually costs quite a bit over the life of the loan. The rep was little help, telling me the IRS must have been down when i submitted my IBR this year ( not what they 're email to me says ) and i would need to send my stuff back in, and cross my fingers that it will " process '' by the time my next payment is due ... or just go into forbearance. It is little wonder why these guys are being sued for pushing that option. I asked to speak with a supervisor. I was told none were available, but they can call me back when they are available. All day long i waited on a word from a supervisor at Navient ... nothing. Not that i 'm surprised based on the level of customer service I 've received from day one. However, i think it should be noted that these guys are actively pushing people into forbearance options while making it sound like its no big deal ... and they 're customer service is the worst. I mean, literally, the worst. I have never gotten to the point where i expect soooo little from a company and they still manage to disappoint. hats off to you Navient.
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On   XXXX   XXXX  , 2017, I went to the   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  branch of Citizens Bank of Pennsylvania ( hereafter, Citizens Bank ) and opened a Clearly Better Business checking account. I worked with a bank representative to open this account. During this process, I explained to the representative that I did not want overdraft protection. I understood that Citizens Bank could charge fees for paying my overdraft charges, and I did not want to pay these fees. I was told by the representative that my account would be configured such that overdraft charges were not paid, and therefore no fees would accrue.
On  XXXX / XXXX /2017, Citizens Bank paid a charge to my account that resulted in an overdraft fee of {$39.00}. Subsequently, on  XXXX / XXXX /2017,  XXXX / XXXX /2017 and  XXXX / XXXX /2017, Citizens Bank charged Sustained Overdraft Fees of {$30.00} each, for a total of {$120.00} in fees following a single overdraft event. I can provide screenshots of my Citizens Bank online account homepage to substantiate this.
My complaints are as follows : 1 ) Citizens Bank intentionally misled me during the opening of this account. I was told no overdraft service would be provided, and no corresponding fees would be charged. This was false.
2 ) Regardless of whether Citizens Bank agrees with # 1, above, Citizens Bank violated its own terms when charging Sustained Overdraft Fees. On page 9 of the Business Deposit Accounts Fees and Features document provided to me when I opened my account, under the Sustained Overdraft Fee heading, the document states, If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn up to a total of {$69.00}. The Sustained Overdraft Fees that Citizens Bank actually charged are not calculated in this way ( the {$6.00} fees that Citizens Bank claimed it would charge can never multiply evenly into the {$30.00} fees that Citizens Bank actually charged ). Further, Citizens Bank has thus far charged a total of {$90.00} in Sustained Overdraft Fees for a single overdraft event, far exceeding the stated cap of {$69.00}. Citizens Bank has therefore violated the terms governing my account, as stated in the document that Citizens Bank itself provided to me at the time I agreed to open the account, in an intentional effort to defraud me out of additional monies.
3 ) Citizens Bank did not inform me via USPS mail or email that an overdraft had occurred, or that Sustained Overdraft Fees were accruing. I only realized this because I logged into the Citizens Bank website for an unrelated purpose. Citizens Bank intentionally did not notify me of an overdraft in an attempt to maximize the time until I could resolve the overdraft during which time the bank could continue to accrue fees for itself.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Fair Collections and Outsourcing  was sent a certified letter on  XXXX   XXXX  requesting validation of said debt. Letter was picked up at USPS on  XXXX   XXXX  at  XXXX , A final goodwill letter was sent on  XXXX   XXXX .     Fa  ir Collections and Outsourcing has failed to provide me any evidence. I have maintained a careful record of communication with them in which they have failed to respond within 30 days.
Fair Collections and Outsourcing are in violation of federal laws under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and the corresponding state laws.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XXXX XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.