davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-11
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I was shopping for a refinance loan and I made the mistake of giving the lender my credit card info for the appraisal if I decided to go with them and told him not to use it unless I gave my express permission. After sending him an email telling him we would not be moving forward until I had compared all offers he charged my credit card for the appraisal. At no time did we sign any documentation or give him permission to go forward. The credit has still not showed up on my credit card after he stated it was being refunded.
Consumer complaint received 2016-05-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (VA)

I had XXXX accounts with synchrony bank -a Lowes account, a Walmart account, and an Old Navy account. I always paid on time except one month I was XXXX and I forgot and was late with my Lowes payment. I paid it immediately once I realized the issue, after that synchrony dropped all my credit card balances ( which were paid off with a XXXX balance on all of them ) and they ran my credit score ( hard run so it shows on my credit report ) three times for each card afterwards which caused my credit score to drop!!! This should be illegal and this is the worst scam credit card bank I 've ever dealt with, I have since closed all these accounts with synchrony bank and I advise others to never get a credit card through them -they will destroy your credit score for no reason! I would rather pay cash or use my cash rewards visa than to ever have a credit card with them. Just horrible!
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (DC)

XX/XX/XXXX, I noticed charges on my Citgo credit card, managed by Syncrony Bank, were pending in amounts higher than actual charges. We questioned the gas station manager and were advised that Citgo was now imposing a {$30.00} hold charge on every transaction for 24 -48 hours until the actual charges were processed. I called Syncrony bank and advised that the " pending '' charges were being imposed by Citgo. I call Citgo and advised the charges were a result of a new business takeover and began in XXXX. I advised that this was unfair since my account was reflecting the " pending '' {$30.00} charges for 48 - 72 hours in addition to the actual gas purchases made thus tying up credit and effecting my overall credit availability on the card and as a whole. Attached is my recent on-line billing activity reflecting {$30.00} pending dated XXXX and XXXX. Both purchases were made but only for {$12.00} and {$17.00} ( also attached ), respectively. In addition, the on-line bill reflects both the XXXX actual and pending charges for a total of {$42.00}. Up to XXXX, only the actual gas/merchandise charges were " pending '' until they were applied to the account reflecting a true and accurate balance due and credit available on the account. Now, substantial credit is tied up by these bogus " pending '' charges and to add insult to injury the " pending '' charges are reflected on the account for the same purchases for 24-48 hours after the actual charges have hit.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NY)

MY DAUGHTER CONSOLIDATED HER STUDENT LOANS WITH XXXX AND THEN THE LOAN WAS GIVEN TO NAVIENT WE ARE HARRASED 24/7 BY THIS COMPANY MY DAUGHTER PAY EVERY MONTH SHE HAS PAID BACK XXXX DOLLARS ALREADY AND NOTHING HAS BEEN APPLIED TO PRINCIPLE IN FACT ANOTHER XXXX IN INTEREST HAD BEEN ADDED ON TO THE LOAN. MY DAUGHTER HAS BEEN ON AN INC9OME SENSITIVE PAYBACK PAYING APP 500 PER MONTH IN PMTS. AS OF XXXX XXXX, 2016 THEY SAID YOU MUST PAY XXXX PER MONTH MY DAUGHTER SAID XXXX I CAN NOT PAY THAT IM ON XXXX THEY SAID WELL THEN YOU CAN GO ON FOREBEARANCE. MY DAUGHTER NOT REALLY KNOWING ANYTHING TOOK THE FOREBEARANCE UNTIL XXXX SINCE XXXX HER AND I HAVE BEEN GETTING NONSTOP CALLS 24/7 FROM COLLECTORS FROM NAVIENT WHO CURSE US OUT CALL EVERY NUMBE THEY HAVE ON FILE WITHING 3-5 MINUTES OF THE OTHER CALL CHARGING LATE CHARGES AND AT ONE POINT I SPOKE WITH A SUPERVISOR WHO ASKED MY INCOME AND HOW MUCH MY BILLS WERE A MONTH AND SAID TO ME OH YOU CAN CUT DOWN ON YOUR FOOD BILL BY XXXX PER MONTH AND PAY YOUR DAUGHTERS LOAN AT THAT POINT I SAID THIS CALL IS NOW ENDING. I HAVE WRITTEN TO THE ADVOCATE AT NAVIENT NO RESPONSE. MY DAUGHTER STARTED WITH XXXX IN CONSLIDATED LOANS AND IS NOW UP TO XXXX AFTER PAYING XXXX IN PAYBACK. I AM DISGUSTED BY THIS TYPE OF TREATMENT. I WANT THE ACCOUNTS TO HAVE AN AUDIT BECASUE MY DAUGHTER DOES NOT OWE THAT AMOUNT OF MONEY AND IT LOOKS LIKE A DISBUSREMENT OF ALMOST XXXX GOT HANDED TO THE SCHOOL 6 MONTHS BEFORE SHE GRADUATED. WHICH I HAVE A FEELING IS A FRAUDULENT DISBURSEMENT. I NEED SOMEONE TO ADDRESS THIS ISSUE BECAUSE WE CAN NOT TAKE IT ANYMORE IT IS TAKING A TOLL ON MYSELF AND MY DAUGHTER RUINING OUR CREDIT RATING IF MY DAUGHTER DIDNT PAY HER LOANS TO BEGIN WITH I CAN UNDERSTAND BUT SHE PAYS MONTHLY. THANK YOU WE ARE AT OUR WITS END XXXX XXXX FOR XXXX FORMERLY XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2016, my client was approved for a loan modification thru Bank of America. It took a long time to get the modification, because my client was going thru a divorce at the time. The bank needed a copy of the XXXX and a quitclaim deed from the spouse to my client, so that the ex-spouse would not have to sign the modification documents or provide financial documents. Once we got all the documents to Bank of America, my client was approved for an FHA HAMP modification. When he received the trial modification offer, my client sent back the modification paperwork as requested by the bank in the envelope provided by Bank of America. He made his XXXX trial payments, XXXX, XXXX and XXXX and each was sent in early. On XXXX XXXX, 2016 he received a XXXX XXXX stating that he was denied the modification, because the bank did not receive " all the required signatures ''. My client was the only person who signed the modification papers due to the representation of the bank that the ex-wife would not need to sign if my client provided the XXXX and the quitclaim deed. This is totally unfair. We have been working this modification thru the attorney for Bank of America. At all times we were told that my client 's ex-wife would not need to sign any documents if we complied with the bank 's requirements of getting the couple divorced and the house put in the Husband 's name. The evidence to this agreement that they approved the modification without requiring the ex-wife 's financial documents and the bank 's requirement of providing the XXXX and quitclaim deed and numerous emails we have with the bank 's attorney. We tried to resolve this with BoA 's attorney but he is unable to provide assistance. My client has continued to make payments. Please help. There is no reason that this trial modification should not be made permanent.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

This account is past the statute, this collection agency is trying to say it was charged off XXXX which is not accurate. I have n't had a XXXX XXXX account is 8 years. They sent a statement as validation showing XXXX past due amount {$1200.00}, the account had to be past due a long time to have a minimum payment this high. What I received is not validation.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CO)

My wife and I keep getting phone calls from EOS CCA XXXX Ma XXXX the phone number is XXXX. For almost a year they having been harassing us in an attempt to reach a XXXX. My wife and I have told them that we are not or do we know XXXX Pleas tell EOS CCA to stop calling XXXX or XXXX.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

I submitted a request for my free annual credit report to Equifax approximately 45-60 days ago and have not received my credit report in the mail, nor have I heard from the company. I have made this complaint previously ; the company contacted me and said the information I gave did not match their records. I have lived at my current address for over one year now and XXXX and XXXX both had no problems with their internal information and I received my credit reports from them with no issues. There is no reason why Equifax should not have the correct information on file considering my mailing address, bank information, credit and debit cards have all been under my current address since XXXX, 2015. Lenders and financial institutions rely on the information that Equifax manages, and they have not proactively corrected their mistake.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit Systems are reporting XXXX account balances I have from XXXX. XXXX balance is {$810.00} and XXXX balance is {$610.00}. I want to pay XXXX balances in full. In exchange, I would like SCS to remove these accounts from my credit report. As I understand, reporting to credit bureaus is voluntary and the company has the discretion to remove the entry. Since there is no law requiring the entries on my report, I think removing them immediately after I pay the balances in full is fair. The account for the {$810.00} is now time barred. The statute of limitations has run out on being able to collect it. I still want to pay it if the entries are removed.
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I had a loan with Dovenmuehle Mortgage from XX/XX/XXXX to XX/XX/XXXX. The issues started when they took over from the first mortgage company ( I guess that is common to be bought out by another early on ). They told me to use the same coupon book that my payments would be forwarded on.. So I did so.. They notated that I was late almost every month bc of the mail time it took for the payment to be rerouted. I tried to do bi weekly payments via wire to get this corrected but they did not accept that form of payment ( of course not then how could they charge late fees ) ... so I tried to do online payments.. that worked for a little bit until they turned that feature off.. so I could no longer do online so I had to go back to mailing in payments ... towards the end of my loan.. they would say.. we never received your payment.. then all of a sudden it would show up.. or I would send a payment and they would return it and not apply it to my loan. I would message them all the time on their own website asking for assistance to get this resolved and no one responded or when they did it was weeks to a month later ... Horrible customer service. They took no ownership in their errors or lack of response to their website issues. I can now not get approved to buy a new home and am stuck with this on my credit due to their lack of customer service. Also I closed on XX/XX/XXXX and as of XX/XX/XXXX they are reporting me late.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX financial lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff +
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing collection, unknown payment status, closed. I am unaware of collection, unknown payment status, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AR)

I contacted all three credit rating agencies regarding an item appearing on all three reports. XXXX and XXXX both removed the item as it had been on my credit report for 7 years. Equifax shows it with a deletion date of XX/XX/2016 while the other agencies had it with a date of XX/XX/2016. Item is an XXXX XXXX item in the amount of {$1100.00}. Acct # on Equifax is XXXX Clearing these items is critical to a house purchase we want to make and this item is impacting my score. Requested they remove as XXXX and Experian had done. They simply sent back notice saying that Consumer Disputes This Account and took no further action. Equifax records should be in sync with XXXX and XXXX. Please request Equifax remove this item from my credit report.
Consumer complaint received 2016-09-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Early Warning Services, LLC (NM)

Numerous banks and credit unions offer peer-to-peer interbank payments. My credit union uses an intermediary that operates under the trademark " XXXX '', while a number of the largest banks use ( and apparently own ) a intermediary called clearXchange. In spite of the fact that the transfer is an ACH transaction, the payment takes 3-5 *business* days. Of course, the banks withdraw the money from the pay-from account on the first day of the period, finally paying on the last. This is an all-electronic transaction and there is no reason for it to take more than 24 hours ( if that ). Furthermore, since the funds are verified and debited at the initiation of the transaction, there is no valid reason to put a hold on the deposit at the receiving account. 
These slow-rolling tactics appear to be common across all providers of this service. The only reason for the slow transfer is to take advantage of the float. These sorts of practices should be banned!
Consumer complaint received 2016-09-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

3rd Request for Resolution : Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - Bofa never listed that we had " missed a Payment until mid XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the third time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Bessemer, Inc (AL)

I have asked CB Bessemer Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one 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 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NE)

I signed up for a Citigold checking account on XXXX XXXX under a promotional offer ( XXXX ) that promised XXXX XXXX XXXX miles after completing two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. When I first opened the account, I had a call with a Citibank representative regarding an issue with funding the account ; I was unable to fund the account in the manner that was originally advertised, but she did confirm my enrollment in the promotional offer as stated above. I completed the requirements and reached out to Citibank to confirm ; the customer service representative confirmed that I had met the requirements and would receive my AA points within 90 days. I waited 90+ days and still had not received my points, so I reached out to Citibank multiple times with their response being that I needed to wait longer to receive my points. After many months and further inquiries, Citibank finally told me they would open an " investigation '' regarding the points I was due. The conclusion of the investigation was that I would not be receiving my points despite being eligible under the terms and conditions and meeting the requirements for the promotion. Unfortunately, I did n't save all of the documentation ( mostly secure messaging and chats ) since I was getting positive information from Citibank a majority of the time ( " yes, you 're enrolled '', " yes, you qualify '', " yes, you 've met requirements '', " yes, you 'll be getting your points '' ) and I also did n't realize until it was too late that you have to actively save messages ( most other companies keep messages until they 're actively deleted ).
Consumer complaint received 2016-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

I have a Perkins loan which is currently held by the Department of Education, and serviced by ECSI, a division of Heartland Payment Systems. I am a Massachusetts resident. 

ECSI has failed to register with the Commonwealth of Massachusetts as a 3rd-party loan servicer, as required by 209 CMR 18.01, despite acting as one as defined by 209 CMR 18.02. According to 209 CMR 18.22, this constitutes an unfair and deceptive trade act or practice, and is a violation of M.G.L. c. 93A, 2 and is subject to the penalties contained in M.G.L. c. 93A. 

Despite having brought this to the attention of ECSI quite some time ago, they have taken no remedial action, and continue to demand that I pay them, even though it would be illegal for them to accept such a payment. 

I have already filed complaints about ECSI and their unlawful business model with the Attorney General of Massachusetts, and the Student Loan Ombudsman. 

Before this note was assigned to the Department of Education, it was held by XXXX University, who also had it serviced by ECSI. After explaining to their counsel that ECSI was violating the law in their name, the university made the decision to assign the note to the Department of Education, rather than have it serviced by a company that operates within the bounds of the law.