davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: MOHELA (CA)

I graduated in XXXX after getting an XXXX from XXXX I married directly out of college, had a son and was a stay at home mom while my husband worked. We divorced in XXXX and I sought work out of the home to take care of my son. In XXXX I filed for Chapter XXXX because I was unable to pay my bills and take care of my household all at the same time. During the proceedings a representative from some student loan institute said they would not forgive my loan but they could re-work the payments ( even though during the year I filed they were forgiving student loans ). I have never defaulted on my loan but now I am starting to feel overwhelmed because this debt that started out at around {$35000.00} when I graduated in XXXX, is now almost {$150000.00}. I am almost XXXX XXXX XXXX and based off my income they have set my payment at a zero dollar monthly payment. I do n't know how I will ever pay a loan off on my income and based off a zero dollar payment. I have spoken to several representatives about how to get my loan down and all they recommend is working XXXX jobs. Wow what advice. I have applied for XXXX jobs, for government jobs and even the XXXX. None of which have been successful. I feel like there is no light at the end of the tunnel. Are there other alternatives? What can I do to pay down this loan? I am not running from my responsibility but it seems like my financial obligation has tripled as a result of me not being able to secure employment paying me a high enough wage to keep up with payments.
Consumer complaint received 2016-12-09
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (OH)

This is in followup to case XXXX. 

I sent a message to Big Picture Loans revoking ACH authorization and they did not accept this. They still withdrew money from my account. How do I get them to accept this? I also firmly believe that this is predatory lending at his finest and is illegal. They should credit my balance as payment in full completed.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (CA)

To Whom May Concern : Early Spring XX/XX/XXXX my employer XXXX told me that I was going through a back ground investigation, work they told me that I need to work on cleaning up my credit. When I return from the military XX/XX/XXXX, I came back from XXXX at the hight of the economic bubble overwhelm in depth. I was evicted from a family own home and did not have enough funds amount to pay my bill. I called XXXX on XX/XX/XXXX and talked to XXXX at XXXX, well she informed me that the depth XXXX dollar a XXXX was issued by the IRS and to your company that satisfied the depth with your company but infect your company is going to report 120 day late when the depth was handle. 

This was report two months ago as a 120 day late/or like I was paying on the depth and just quit this year, when infect this reporting will still hurt my score an was incorrect, my score dropped " XXXX '' points for a depth that was handle years ago. A XXXX was issued for the this account and I will take care of the depth with the Federal Government. 

I would like to just move on with my life then having a billion dollar company report incorrectly on a XXXX war veteran. 



XXXX, XXXX XXXX, CA XXXX WFA # XXXX
Consumer complaint received 2017-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

To Whom It May Concern : Portfolio Recovery, XXXX, continues to contact me subsequent to verbal and written cease and desist requests. I am filing this formal complaint. 

The above referenced third party debt collector seeks recovery of a ( purchased ) charge off non-secure debt older than 7 years. Despite the age of debt, I initially engaged in a negotiated paid in full agreement. Upon failed attempts to secure Portfolio 's written confirmation of the terms via phone, I discontinued further negotiations. A verbal request was logged to cease further contact as the duration of the debt exceeded the statutory term for collection activity. Was advised the requested was documented on the system of reference. 

Almost a year later, Portfolio continues to lodge outbound calls to my personal cell phone. When instructed of the previous verbal and written requests to cease contact, representatives acknowledge the logged request continuing with verification and payment inquiries. 

Portfolio 's actions is violative of FDCPA. among other promulgated third party debt collections prohibitions announced under CFPB guidance. 

For these above reference items, this compliant is hereby filed with the CFPB.
Consumer complaint received 2017-02-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

HERE ARE THE DOCS THAT WERE SENT IN 2014 THAT NATIONSTAR SAID THE DID N'T RECEIVE. THEY FAILED TO FOLLOW THE HOME OWNER BILL OF RIGHTS. THEY ALSO VIOLATED CIVIL CODE XXXX XXXX XXXX XXXX CA LENDING /SERVICING BUSINESS CIVIL CODE XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Why is Select Portfolio Servicing allowed to charge me {$5.00} to pay my mortgage online? XXXX XXXX XXXX does this if you pay past a certain date but I am able to go into a branch and make my payment in person. SPS does not have this same opportunity. This is ridiculous and should not be allowed.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax, XXXX XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Equifax, XXXX XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if Equifax, XXXX XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. Equifax commission file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX commission file number 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 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 XXXXXXXX firms to audit consumer account XXXX EQUIFAX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Consumer complaint received 2017-02-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had encountered couple of incidents with my account # XXXX at Bofa and each time I was not alerted and the only way I had come to know about the issues when I was proactive in checking my account balance. First issue was when an individual wrote a check from his/her personal account for an amount of {$1900.00} that cleared the account on XXXX XXXX, 2017 due to the fact that the account number for this individual closely matched the account number for my account. However, had I not caught this soon enough, I would 've never known that this check did not belong to me and it cleared without any issues, since there were enough funds in the account to allow that to proceed. Of course, through some random checks someone at the bank would 've caught this, but who knows that would 've happened. 
The second incident occurred on XXXX XXXX, 2017 when this account was charged XXXX NSF fees at {$35.00} when just the previous day I had noticed that XXXX Merchant services transactions were showing pending for clear and the account balance showed that there were enough funds in the account to cover the balance. That same day, a check was also cleared, however I did n't receive any notification for a deficiency in balance and when I found out about it, the representative mentioned that it is too late to deposit any new funds to cover the balance. I was expecting some alert notification if the account reaches below a certain threshold and I have it setup also, but I 've yet to receive any message in time for me to take action on it. I am very proactive about keeping the account balance in tact so I do not incur any fees/charges. I have had this account for a long time and I have maintained a great history so I am really frustrated that I am not being notified in time for any suspicious activity in the previous case or when a balance at any time falls below a certain threshold to where an action can take place the same day. The Bank charged these fees unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..
Consumer complaint received 2015-08-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (CA)

Me and my husband are both retired senior citizens, and tried to refinance our home. The BBVA Compass Bank informed us we should not have any problems refinancing our home. We informed them that we did have a bankruptcy on our credit, and it was less than 5 years old. The banking officer informed us that it should not be a problem getting us approved, so we scheduled the appraisal per the officers instruction. The money was taken out of our account without knowledge of the date. We then received a letter stating that we were denied the loan, but we were informed by the officer it would not be a problem getting approved. We were upfront in letting them know about our credit situation, but we were mislead by the bank staff in general. We are XXXX retired XXXX and on a fixed income. The amount of XXXX that was taken out XXXX/XXXX/15 was a setback for us, especially being mislead.
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Thunderbird Collection Specialists, Inc. (AZ)

About 8 years ago, I lost my house to foreclosure ( surprise surprise ), and when I was in the process, I stupidly asked the HOA if I should pay them after I had vacated the property. They told me no ... 
So I did n't, long story short I should have paid them for the time between when I vacated and when the property was actually foreclosed on. I tried to pay them but they would jack up the amount each time I did, adding fees and interest. they took me to small claims court, and tried to sue me for an amount that was nearly XXXX the original amount, judge had me pay the original amount plus some fees, but not the jacked up difference. I then paid that amount, but they sold the difference to a collection agency. 
I have the paperwork for the court saying the debt is paid in full, but this collection agency has been chasing me for years, and now they have brought my wife into it, by putting the debt against her, so its dinging her credit, even though we married long after I had bought the home, and was never on the hook for the mortgage, deed, hoa, or anything and during any of the legal proceedings had nothing to do with it. it only happened about a year ago when we were doing our yearly credit check, and we saw it show up on her credit.
Consumer complaint received 2017-02-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wallet was stolen from my vehicle in XXXX XXXX, TX on the evening of XXXX XXXX. The following morning my card was used by the thief to the tune of {$1500.00}. Bank of America was alerted the same business day about the theft and issued a temporary credit to my account. The claim was not created by Bank of America until 3 days later on XXXX XXXX despite their being notified on XXXX XXXX. The XXXX XXXX Police Department were also alerted on the XXXX, XXXX XXXX. XXXX. Bank of America is now claiming that they are removing the entirety of their credit which is in violation of their {$0.00} liability guarantee and the {$50.00} liability limit instituted by the Federal Government. Bank of America will not answer our calls or provide any assistance in our dispute of their new findings.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

In XXXX 2012 my homeowner 's association foreclosed on the property I owned that was serviced by Ocwen Loan Servicing. Before the foreclosure, I tried to obtain a modification for 2 years. Since the homeowner 's association purchased the property in 2012, Ocwen continues to report 180+ days past due on my credit report. This is killing my score and has affected employment offers and kept me from being able to restore my credit and purchase another home. I hired an Attorney to find out what I still owe Ocwen - since the association now owns the property. However, Ocwen has not responded.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vantage Sourcing, LLC (AZ)

Had a phone with XXXX get water damaged. Phone did n't work anymore. Bought out of contract with phone # 1 for XXXX bucks to verizon. 

Opened up new line for phone # 2 through XXXX wireless advocates online. Received phone, phone does not work or preoperly sync with previous XXXX account or XXXX music. Numerous issues with phone as it was not shipped properly ( literally in the factory packaging with no protection for shipping ). Returned phone before 2 weeks was up due to ineffective phone not working properly even to call people. 

Opened up alternate new line in last attempt to receive proper service with a working phone. Went through XXXX XXXX rather than online distributor. Even worse results with iphone not being able to update while contacted to wifi with multiple error codes and account issues and music issues again. Returned phone before 2 week period was up and was tied into contract. 

Tried again with alternative service provider and much better results. Do not want free service, I want a phone that works which could not be accomplished through XXXX and XXXX. 

XXXX reaches out saying you owe us {$78.00}. I call and talk to customer service. XXXX, a female representative, informs me they will call me back after getting manger approval after getting {$20.00} activation fee removed from account for now {$58.00} owed. They never do and I get new notice in the mail. 

New notice now claims {$220.00} is owed on account that has and already is closed. I can not login online to account due to it being closed, but every notice in the mail indicates it is different. 

Receive new letter saying - {$140.00} has been given back to me or accredited to my account. Receive new notice saying it is now {$560.00} both from XXXX and their collections agency XXXX. 

Calls have been made to family members from collection agency demanding to speak with me. XXXX refuses to solve anything with customer service reps and gives me same run around spiel. 

Nothing is getting solved. If I returned both phones and do not use any line with them and canceled the very first line out of my own pocket, why should I have to pay {$560.00} after they just informed me previously that they took {$140.00} off from the {$220.00}? 

None of the numbers are adding up, no XXXX customer rep can help me, and the bill keeps growing even though I do not owe anything for lines that have been canceled.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Filed a dispute of a credit card to TU in XX/XX/2016 for the amount they were reporting since it wasnt correct. Instead of correcting the amount, they completely deleted the credit card from my credit report. Every other credit bureau is reporting this card and I have called TU repeatedly to fix this and they wont. I have called the Credit card and they are still reporting my card usage to TU but TU refuses to add it back to my account. Since this has happened I have been not able to move forward in getting a home because they have severely damaged my credit score. They will not fix this, please help.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute online and it appeared to go through, but I did not receive any notice of it and when logging in later I could find no record of ever having filed it. I then called TransUnion and they had no record of the dispute, so I filed it over the phone and the representative collected my email address, but I received no notification that it was submitted or the status of it. If I log on to their website I still do n't see any indication of the the status of the dispute. 

The account I 'm attempting to dispute is " XXXX # XXXX '' which was a debt that was sold to XXXX but not appropriately reported to TransUnion ( or TransUnion recieved the report but failed to actually file it, much like they 're doing to me now. ) This caused the debt to be duplicated when it is actually the same XXXX adverse account.
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (TX)

I received a letter from ( supposedly ) from AvanteUSA claiming a debt of {$96000.00} from XXXX. I called XXXX and they have no idea where that amount came from - that the amount I owe is {$940.00}. That is not even the amount pending with the insurance. I tried to call the number on the letter I received but the call will not go through - it appears to be a fake number. ( This debt is for treatment for my husband, who passed away recently ).
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Over the weekend I get notifications from myfico that my report has changed. I logged in and noticed that XXXX and XXXX was removed. About 30 seconds later, XXXX report inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX was also removed. Minutes later these collections and inquiries was added back on with a missed payment from a collection agency, XXXX! On XX/XX/XXXX, I called TransUnion and spoken with a supervisor name, XXXX. I 've asked him do they verify any information before placing it on ones report, because a collection agency should n't been able to place a missed payment on my report which brought my payment history down and affected my score. He became extremely hostile and rude. I immediately asked for his name and the spelling, he spelled his name and slammed the phone down loud!
Consumer complaint received 2016-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

Navient is applying portions of my private student loan payments to each of my loans, with less money going to my highest interest loans, and more money going to my lowest interest loans, automatically. 

Also, they make it virtually impossible to deal with any issue. I have called tonight about this issue to get it resolved and spoken to XXXX different people and been on the phone for XXXXminutes. You are sent to the XXXX or XXXX, back to the U.S. and then to 2-3 people at least. It seems that they have intentionally structured their contact with customers in a way that makes it really difficult to make any changes to the account ( e.g. adjust payments so that they go to the highest interest loans before the lowest interest loans ) or to get answers from anyone. No one person can handle all of your issues. You have to be shuttled from one person to another and they will not interact via email, except statements and other generic emails. I have spoken to no fewer than XXXX people ( in and outside the country ) and have now just completed a XXXX minute call to get this resolved. Still, the issue is not resolved and they have to have someone call me back. They compartmentalize handling of any one particular issue so that their employees can not possibly see or find any issue with they way they do business because they ca n't possibly understand the big picture, as they only see XXXX small piece of it. 

Has anyone else had this issue concerning allocation of payments to lowest interest loans first? or had a similar issue with how they have constructed their customer interactions?
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IN)

On XX/XX/2016 I received communication from Blatt, Hansenmiller, Leibsker & Moore LLC attorney office. The entity supposedly represents XXXX XXXX XXXX Successor in Interest of XXXX account XXXX. I 've never been in communication with XXXX XXXX XXXX nor received any correspondence that they have authority to collect any such debt from me. What I do know is that XXXX XXXX XXXX is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like Blatt, Hasenmiller, Leibsker & Moore LLC to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.