davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

I was given Gift card to Lowes, I have a credit card with lowes and wanted to use the gift cards to pay against my balance instead of making a purchase. I could not do this online, so I went to the store they could not and would not do this. Finally I called lowes.com to help me get this done they refused it is against their policy nor will they cash out the cards so i can apply it to my payment. You are suppose to be able to use these cards for what you want, but that is not true you cant use them to make a payment. This is not right they are cash. Real money was used to purchase these cards and you should be able to use them how recipient sees fit. I do not understand how this can be right real money was used to get the card, and since they are money I should be able to use my money how I want instead of having to purchase products. I want this fixed for all consumers they either need to have a way for us to use these cards to make a payment or they need to refund the amount on the card in cash so that I can. Lowes will not do either they will not give me the money on the card so i can make a payment nor will they take the gift cards as a payment. My gift cards total XXXX so this important to me.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Opened a credit card account with Bank of America and charged using a 0 % APR promotional rate. According to BAC that rate ended on XXXX/XXXX/2015. On XXXX/XXXX/15 BAC sent me a statement that indicated a balance of {$6500.00} ( I have no idea where that XXXX came from ) with NO indication that any interest would be charged to the account, no indication ( as they NOW tell me ) that I need to call them for a payoff amount. I immediately sent them a check to cover the ENTIRE balance ( {$6500.00} ) which they credited to the account XXXX/XXXX/2015. To me that should have paid the entire account in FULL. The next month I get a statement from BAC claiming that I now owe them {$25.00} in interest on the account. I feel that is VERY DECEPTIVE ; consumers should have an expectation that paying off an account IN FULL well before the due date ( indeed, only 8 days past the statement date ) that there should be NO huge interest fee charged unless there 's some indication on the statement that this will occur. This is a very deceptive practice and I 'm sure I 'm not the only one who has been scammed by this.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There was a judgement issued through the courts for my son 's unpaid debt. The judgement was listed on my credit report. I called the Law firm that handled the judgement and verified the social security # and date of birth as being my sons. We both have the same name and address. I want his judgement removed from my credit report.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in XXXX and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has been reporting my account as late for over 90 days, back in XXXX I contacted them about my name change. They lost my files and never changed my name, from my marital last name to my maiden name. In XXXX my family went through a hard time and I contacted a debt management XXXX to help make sure that everyone still received payments including XXXX. XXXX denied my request yet accepted the payment from the debt management claiming that the last names did not match, however reported me to the credit bureau as late 30 day. I called to find out why were they able to accept a payment under a different last name same social security number but deny a proposal based on last name which i submitted back in XXXX. They reported through social which is on a totally different last name. Every month they received a payment from the XXXX XXXX company yet report me as being late for XXXX days, ruining my credit significantly. I contacted them only to be rudely answered by customer service. I am in the process of buying a house and they are the only company who have significantly ruined my credit with the late payments. I have stayed in constant contact with XXXX never missed a payment to the day that my family went into financial difficulty and still i ensured that they received a payment.
Consumer complaint received 2015-06-23
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

After agreeing to make payments from this summer until loan was paid off, they agreed to this. Now I sold my home on XXXX XXXX XXXX XXXX, XXXX, NC, Springleaf has refused to re assign the property lien over to me so that I can avoid foreclosure. If the " short sale in lieu of foreclosure '' does n't close by XXXX XXXX, 2015, the home will be foreclosed. Please have Springleaf reassign the lien to me so that I can avoid foreclosure. I do not get proceeds from the sale.The loan manager on XXXX XXXX, by previous name American General, came on to me as harsh and rude. Now I am working with that home office to stay away from him, XXXX XXXX, XXXX XXXX XXXX XXXX, NC.
Consumer complaint received 2015-05-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

I owned a house in XXXX, MN. There was a major flood in XXXX and the house was destroyed. There was no flood insurance but there was PMI. I initially contacted XXXX ( my original mortgager ) and tried to do a deed in lieu of foreclosure. They denied this and sold my debt to a debt collector. It is currently with Select Portfolio Servicing , Inc, who has agreed to do a short sale with the city of XXXX, who has offered to purchase the property in a community development drive. Since Select Portfolio 's agreement to do a short sale, I have - at their request - provided them with bank statements, financial statements, copies of my XXXX, agreement letters from the city of XXXX, etc. Each time I send the information, they say there is something missing, or a date needs to be changed, or whatever else they can come up with. I provide the corrected info and they ask for it again and state that they did n't get it all together in time. I continue to provide what they ask for, but the end result continues to be that they run out of the allotted time amount and I need to start all over again. I have had everything they requested turned in on time but they say they always run out of time. I do not know how to get them to follow up on the sale and am very frustrated. The city of XXXX and the closing company involved with this have been very good to work with over this 3 year debacle but I am at my wits ' end. If there is anything you can do to assist, I would be very appreciative. Thank you!
Consumer complaint received 2015-10-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (NC)

Have had a loan from One Main Financial for less than one year and recently have had personal events that have made it difficult to repay this loan. To preclude filing bankruptcy I contacted a company called XXXX XXXX, ( a XXXX party company ) in an attempt to set up a repayment plan. Recently, One Main Financial has been contacting me at my place of business in attempts to collect this debt. I am a XXXX work for the XXXX XXXX and these calls are starting to annoy others in my office. At the request Clear One I had not made contact with any of my creditors in order to let the entire restructuring process take effect. If there is anything else you need regarding this matter please contact me.
Consumer complaint received 2015-04-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

RE : Additional Fees in amount $ 250.00Time and time again I am continuously filing a complaint again BANK OF AMERICA HOME LOANS. 
I am fortunate enough to have an outstanding program like SAVE THE DREAM to nurture my frustration ; however BANK OF AMERICA is continuously trying to abuse the system. I was informed by my counselor ( XXXX XXXX ) at working in our neighborhood that I must monitor all payments. Before applying for service I was informed that working in our neighborhood/Save the Dream would contact my mortgage lender ( Bank of America ), for the total amount including attorney fees, pass due fees etc. This would have me current and up to date on payments! WELL THAT IS NOT THE CASE! Bank of America provided the total dollar amount to Save the Dream to have me current in the amount of {$17000.00}, for XX/XX/XXXX, however Save the dream was billed {$18000.00} which was paid to Bank of America. I received an additional statement from Bank of America for the month of XX/XX/XXXX in the amount of {$1400.00}. The XXXX prior payments have the following : Additional Charges Overdue payments, fees and charges for XX/XX/XXXX {$330.00}, XX/XX/XXXX {$330.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, and XX/XX/XXXX for {$250.00}. 

When I notified Bank of America customer service department transferred me to their foreclosure department who informed me that those additional fees are for attorney fees, foreclosure fees etc. I informed her that those fees were included in the payoff amount to get me current. Needless to say nothing was resolved! I believe that BANK AMERICA is abusing the system/program and need to beinvestigated. The following document is my current mortgage statement. Also I have listed some of my current complaint claim number below : Attorney General # XXXX ( Fiscal XX/XX/XXXX ) Federal Trade Commission CLAIM # XXXX Attorney General claim against Countrywide Home Loan XXXX # XXXX Consumer Financial Protection Bureau Case # XXXX Federal Trade CommissionXX/XX/XXXXI called Bank of America because I did not receive my XX/XX/XXXX statement, however they informed me that XXXX payment has been made and my next payment is not due until XXXX XXXX, 2015. I informed XXXX at Bank of America that I still would like my XX/XX/XXXX statement. I called Save the Dream and spoke with XXXX who informed me that they have made my payment to Bank of America in the amount of {$1100.00} and the additional {$250.00} for XX/XX/XXXX payment.
Consumer complaint received 2015-10-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

I am trying to file a in school forebearance request to American Education Services. I have faxed my requests to XXXX different numbers, have spoken to numerous representatives and have received multiple errors from the faxes indicating that their fax machine line is either busy or there is a communication error. I have emailed my documentation XXXX in two weeks. I have spoken to many representatives over the past few months who have given me so much wrong information such as wrong payment amounts, which have put me in a delinquent status. 

I have had several representatives tell me and encourage me to apply for multiple repayment programs that I keep getting turned down from. No one seems to know the process of what is going on here at this company. In the mean time I keep getting bills from Citizens bank billing me for XXXX in delinquent fees that I can not pay. 
I need someone to check their fax machine phone numbers and emails and respond to my requests. OR have them all on the same page. The fax they said they did get they say shows only half a page. 

I did send a fax through my schools enrollment services department that says went all the way through. This is beyond frustrating and I need some resolution.
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (TX)

I had just received my credit update today, and my credit scores have dropped, and it 's because of this debt that I do n't owe. I 'm so furious.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (WV)

Effective XXXX/XXXX/2015 a XXXX CBE Group has been calling my XXXX work telephone nonstop around the clock. I did a little checking on the internet and it appears as though this is some type of SCAM to get someone to pay someone else 's bill. I have cable and do not have XXXX.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (ME)

I have been trying to get help lowering my mortgage payment from Nationstar for about three months. Specifically the XXXX loan. The first person I spoke to stated it would cost about XXXX in closing costs and the second person told me it would be about XXXX. I want to keep my home. I just retired and I take car of my XXXX daughter. I hope you can help me.
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Williams & Fudge, Inc (TN)

XXXX/XXXX/2015 @ XXXX my cell phone rang from incoming call ID XXXX. So, I placed it on speaker thinking is was a telemarketing company. The man asked me by my full name, full DOB ( with year ). He said his full company OF William and Fudge regarding an XXXX matter and anything said would be using those purposes, and that the call was recorded ( not exact words but close to it ). 

I explained the debt is not valid not to call me back contact me again. Also, I sent a XXXX XXXX using tracking # XXXX XXXX XXXX asking 1 ). Verification of any debt related to my so called account 2 ). The nam and address of the original creditor and current creditor 3 ). Forms to assist disputing accuracy of such items. Also, I wrote they compromised my ID data by sharing it without first validating the person he was speaking to before sharing DOB and his agency name. 

Then, on XXXX/XXXX/2015 the same agency called my same cell phone number using a totally different incoming number of XXXX at XXXX. There is a clear violation of the law here. Clearly, the agency was attempted to work around my call blocking of the original number and perhaps hoped in 90 days the number dropped off my cell phone log as must drop off in 90 days. I am requesting CFPB fine them in the amount for the violations of the law. I have XXXX phone records and copies for proof. 

Also, they failed validate their claimed debt. I shared I dropped with XXXX XXXX AND instructor XXXX XXXX if it was related that a dropped class. Also, I provided the school an obituary, and I agree to pay payment plan. The University has a past practise of working with students that had an immediate family member pass. I had other reasons to drop, but they are no about this matter. 

The University contacted me stating they are investigating too. For any balance due, I already have agreed with XXXX to pay them for prorating dates without any upcharges, and they agreed after I am employed. Also, XXXXXXXXXXXX is not accepting payments after I agreed to a payment plan for money not owed once employed. Now, I am advised by legal professionals the debt is clearly not valid given all the documented facts and record that go back two years.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

HELP REQUEST FOR MODIFICATION OF MY BANK LOAN AND SEND ALL DOCUMENTS NEEDED IN DATE XXXX/XXXX/2015, I CALLED the bank and was informed that THEY RECEIVED ALL DOCUMENT, BUT THEY PUT SALE DATE TO MY HOUSE FOR XXXX / 2015I CALLED TO REQUEST INFORMATION AND CONFIRMED MY CASE IF YOU NEED ANY DOCUMENT, THEY SAID EVERYTHING WAS FINE. They DID N'T CALL ME AND DO NOT WANT TO SUSPEND THE DATE OF SALE. 
ALL MY CALLS are registered in the bank 's system, please help. I DO N'T lose my house. 
THEY DO N'T LIKE HELP ME.
Consumer complaint received 2015-06-21
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

i opened a dispute with a credit card for the charges on my statement for XXXX/XXXX/2015 from the XXXX hotel which i booked, but never used due to hotel did not have clean sheets. ( the sheets had big XXXX stain on them ). credit card refused to credit me due to they said " its falls under Quality of services ''. the rep from credit card told me hotel is not obligated to provide with clean sheetsi strongly disagree, why i have to pay for hotel that i never used in the first place
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I currently hold the security deeds on my home, my husband is on themortgage loan. The Lender receives payments from me, the Lenderhas received written notice to release and forward all correspondenceto the borrowers spouse. The mailing address is the property addressthe lender refuses to acknowledge the request for mailing, due to aproperty damage insurance check that was withheld during a collaboratedprocess of timing with the insurance company to enforce a non-judicialforeclosure on my property. The Lender refused to adjudicate a mishandlingof the property damage claim check, from the insurance company bank andthe XXXX lender who was discharge in bankruptcy proceedings, holdingthe check promoting harassment and withholding information to claim viabanking policies and inside employment collaboration. The continuation ofthis situation between the mortgage companies and the insurance companybank, clearly instigate RED LINING.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (CA)

I 've tried to cancel the membership based on a bad experience and I 'm not allowed to cancel it, I 've been to the establishment only once and they will not let me cancel and I fear for my credit report
Consumer complaint received 2015-10-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

Hi my name is XXXX XXXX XXXX, I have a private student loan with Navient. they are refusing to help me lower my payment passed on my financial statement and a supervisior even hung up on me. when he refused to tell me if any programs where available to me. I have a co signer who offered to send final statements and they refused to except and only took it over the phone and said she made too much to lower my interest rate which he says is the only way to lower my payment. I am not a student anymore I work and have a family and make like XXXX a month and my bills round up to about over 2500. a month. I m in desperate need of help and they are just flat out refusing to assist me, I am willing to pay, just need an amount that I can afford. I have tried numerous times with no success and I am at my whits end I have a family to support and it seems these people at Navient care only about how much they can get out of you they care nothing about working with the customer to solve any hardship issues. The lack of empathy dicusses me to no end how can people be so bottom line and treat others like just a number.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I disputed my credit report online and have n't heard from the company at all. After checking my credit report on XXXX XXXX I realized that the credit bureau did not take the required actions to delete the requested accounts. The XXXX credit bureas has taking out the requested information from my credit report, but Equifax is refusing to do it by not working my credit report and getting back in touch with me.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

I filed a dispute with Equifax on XXXX/XXXX/2015 regarding the balance date Equifax is reporting for a short sale we had with XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. The house sold and closed XX/XX/XXXX. My husband and I were denied credit because of Equifax reporting the date for XXXX as XXXX. XXXX reported the date as XXXX. I submitted the XXXX paperwork showing the XXXX date and submitted additional paperwork to explain the dispute. Equifax responded to the dispute on XX/XX/XXXX saying XXXX is reporting the date correctly, however, instead of correcting the XXXX date to XXXX, Equifax updated the date XX/XX/XXXX!!! On XX/XX/XXXX I receive an Equifax alert showing my credit score was dropped by XXXX points from XXXX XXXX as of XXXX XXXX to XXXX XXXX as of XXXX ) due to information changing on my report. Because Equifax changed the date for XXXX to this month, it appears that our short sale just occured a few days ago instead of 4 years go which is why our credit score was impacted. I called Equifax today and talked to a rep and her supervisor. I was informed that a dispute will negatively affect my credit score and I have to " wait until things settle down and it goes back up ''. The XXXX rep said they can not change the date showing for XXXX or restore my score because " they have no control over it '' even though I have paperwork showing the correct information. I asked the Equifax rep and the supervisor to provide me a copy of my credit report from XX/XX/XXXX to XX/XX/XXXX so I can see what changed to affect my score this way. XXXX said they can not do that. On the Equifax website, the latest credit information I can see is through XX/XX/XXXX. The XXXX is the ONLY negative information against my report and NOTHING has changed from XX/XX/XXXX including no additional debt, etc so there is NO reason for my credit score to drop XXXX points in a week! As a consumer, I should be able to dispute inaccurate information being reported against me and it should not negatively affect my credit score. I understood that credit reporting agencies have a responsibility to correct inaccurate information especially if the consumer is being denied credit or refused preferred rates because of the incorrect information. I am filing a formal complaint against Equifax for refusing to correct inaccurate data even with documentation and with XXXX agreement the correct date is XXXX. I am also filing a formal complaint for Equifax dropping my credit score because I filed a dispute to get the data correct. I want this resolved.