davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (TX)

Hi I looked at my XXXX  credit report and there are at least 5 fraudulent inquiries with American Express on XX/XX/XXXX and XX/XX/2019 and I never applied for a credit card and I notified American Express and they Mark few credit cards application as fraud and told me they will be removed and never did at all and as for XX/XX/XXXX inquiry American Express told me they don’t go back 6 months and they nothing they can’t do .... and I’ve been waiting and I never received a letter from them I stated that I never applied for a XXXX XXXX  on XX/XX/XXXX and other cards afterwards and I would like for these inquiries removed from my XXXX  credit file
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

NAVIENT has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XXXX 2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX team, which is a direct team of NAVIENT contact number is XXXX. This team advised their records show paid off date as ofXX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the NAVIENT lawsuit and all payment request from NAVIENT are to cease. This call was received after the accounts were paid through the law firm that NAVIENT obtained to collect the private student loans.  The fact that they have not sent the letter to me, so that I can send it to XXXX  as well as all the other credit bureaus is affecting my credit. I have contacted XXXX on serval occasions asking them to update the information and they refuse to because NAVIENT is failing to update XXXX.
Consumer complaint received 2019-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Starting from on or about XXXX XXXX, XXXX   XXXX has been applying my timely monthly mortgage payments to escrow and not the principal and interest.  Only once did I receive a refund check, in the amount of one month's mortgage payment.  I did not think anything of it as the banks usually issue a check for escrow remainder. Instead, XXXX XXXX   continued to hold my monthly payments in escrow and not applying it to the principal and interest.  After notifying them numerous times and having to make the same exact complaint over and over, I continued to receive 90 Day Pre-Foreclosure Notices.  It was not until XXXX, XXXX that the issue appeared to be resolved; however when I asked for something in writing regarding their mistake, I was sent an email, no letterhead, simply stating that the prior three months were applied--as if I was the one who make the mistake.  On those occasions that I had to call, my wife had to take the day off from work to help me discuss the issue with them, because we would be on the phone for over an hour, mostly waiting.  Each representative we spoke to had no idea why we were calling and each time we had to go over the same things and direct the representative to read the prior notes.  On one occasion, the representative had us on hold for over half an hour and when asked to speak to a supervisor, she placed us on hold for about 20 minutes and then hand up on us. Unfortunately, we lost our temper before being transferred to the "research team", which we were told would be researching this since about XXXX XXXX, where we had to again relay the issue.  Now, it seems that XXXX  XXXX has been charging us approximately $XXXX for "expenses".  There were no notices sent regarding what this additional fee is about.  When we called the representative said that it was costs transferred to them, but they were servicing the loan since XXXX  or XXXX XXXX, when all this mess happened, and that cost was not there.  XXXX XXXX never escalated it to the proper department, for over a year we suffered when we received those 90 Day Notices, but no returned checks to give us any idea that our payments were not being applied properly. We never received any call back from a manager or supervisor regarding our inquiries, and now we are being charged for fees that we know nothing about.
Consumer complaint received 2019-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

I received a letter from Convergent Outsourcing Inc. stating that XXXX XXXX. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with XXXX and the remainder of the negative balance will remain on your XXXX  account."I quickly called Convergent and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called XXXX to confirm that this information was incorrect. I let them know I rarely ever use my XXXX   account and this could not be possible. The XXXX rep asked me if i have a XXXX XXXX XXXX, which I do not. He said that would be the only way XXXX  would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX 2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from XXXX indicating that this information is accurate.
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (OK)

Between XXXX XXXX XXXX of 2019 I was contacted by a debt collector named XXXX XXXX with IQ data. He has called me every other day since XXXX when a rent payment was a month past due. I suggested a payment plan or a set date to pay the amount in full and i was told to get a credit card. Then he threatened that my credit would be impacted if I did not pay the amount in full before the end of XXXX. The debt collectors who I spoke with later threatened to sue me if I did not make a payment and pushed me towards a mental break down. I have mental health issues and they used vulgar language and pushed me to the point of an XXXX  XXXX.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Viewed credit file through Transunion in reference to XXXX XXXX account showing as charged off on my file.  File shows last reported :XX/XX/19 in the amount of: $XXXX
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

Re:Commonwealth Financial SystemsXXXX XXXX XXXX.XXXX XXXX, PA. XXXXXXXXThey have violated the Fair Debt Collection Practices Act and the Fair Debt Reporting Act and from what they told me, this is their standard business practice. I received my first notice from Commonwealth Financial Systems on or around XX/XX/2019. The letter is dated XX/XX/2019. The letter states that I have 30 days to dispute the debt and if they do not hear from me within that time, then the debt is considered valid. Well, they reported it to my credit report on XX/XX/2019 without ever giving me 30 days to dispute the debt. They have reported debt to my credit report that they have not validated. I called their office and spoke to the supervisor XXXX XXXX, and she said they report it to the credit bureau within 30 days from the time they receive the debt. This is their standard practice. She said they received the debt XX/XX/2019. I would have no way of knowing this without them mailing me a notice, which they did not bother to send until XX/XX/2019. They are reporting debt that they have stated they do not even know if it's valid. I do not even know what this debt is. She said she would remove it from my credit report for the next 30-45 days as they are working on validating the debt. They are only supposed to be reporting the debt after the consumer has been given written notice and a chance to dispute the debt. The fact that this is their standard business practice is appalling. Please look into this company. Thank you,XXXX  XXXX
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

Ladies & Gentlemen:My wife booked a reservation for a golf vacation package with the XXXX XXXX XXXX XXXX   in the XXXX XXXX  on XX/XX/2019. The price that was quoted by the resort for the vacation package was US $XXXX. This price was clearly stated in an email communication of XX/XX/2019 from the resort as the "Package Total: $XXXX" (A copy of this email is included in the attachment)My wife provided our Chase credit card information to the resort and the account was charged $XXXX  in two separate charges on XX/XX/2019. (A copy of our account statement is included in the attachment)During her stay at the resort in early XX/XX/XXXX, and, at her check out from the resort, she was never advised of any other charges due or pending. We never received any subsequent communication from XXXX XXXX XXXX.An unauthorized charge of $XXXX from XXXX XXXX XXXX  appeared on our Chase billing statement in XX/XX/XXXX and we immediately contacted Chase by phone to alert them to this unauthorized charge. We subsequently sent a written complaint to Chase and, on XX/XX/2019 they sent me a letter stating that they had favorably resolved this issue and would credit our account permanently for the disputed amount of $XXXX. (A copy of the Chase letter of XX/XX/XXXX is included in the attachment)I assumed this matter was over and done with until I received another letter from Chase dated XX/XX/XXXX advising they were rescinding their earlier decision, and now considered the charge valid and were removing the "permanent" credit for the disputed amount from our account. With this letter they also included information that XXXX XXXX XXXX had provided them which they claim supports the validity of the charge. (A copy of this letter and the information from the resort is included in the attachment) I have reviewed this information and believe it is false, inaccurate and misleading. I responded to this letter yesterday to advise Chase in detail of the falsehoods and inaccuracies contained in the XXXX XXXX XXXX information. (The response is attached) Please review the attachment and let me know if you have any questions.Thank you for your assistance.XXXX XXXX
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I opened a line of credit while paying in the check out at XXXX XXXX XX/XX/XXXX for around $130 after providing my social security number. I thought the bill was paid as I continued to receive mailings, online orders and coupons at my current address. I discovered in XX/XX/XXXXthe bill was not paid, had additional late fees the account was sold to a debt collector. I have found out my XXXX capital one bill and credit card was being sent to a combination of my old and current addresses so I was not receiving any mail from them. Capital one will not accept responsibility for the error and is not able to wave the late fees or recall my debt from collections as it is not their account any longer and XXXX XXXX XXXX  is not willing to accept less than $XXXX to clear the debt. I still have not received any mailings from XXXX XXXX XXXX  because they are using the address provided by XXXX capital one. I do not believe this error is my fault in any way. I do acknowledge I opened the account near the amount of $XXXX but due to a clerical error on the behalf of XXXX or XXXX capital one my credit score has gone from XXXX  to XXXX over the course of a year.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (GA)

I downloaded the certified letter that I sent to CBNA/Home Depot which explains in detail what I'm disputing. Briefly, I bought ~$XXXX  worth of items from XXXX XXXX in XX/XX/XXXX and used my CBNA/HD card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called CBNA/HD customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by CBNA, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by CBNA.  I sent a certified letter to CBNA explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, CBNA, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at CBNA to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!
Consumer complaint received 2019-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

In XX/XX/XXXX I applied for PSLF. I was placed in this program and my loans were all moved from XXXX to FedLoans. I made 40 payments from XX/XX/XXXX through that time. However, those payments have not been applied towards my number of qualifying payments. I have called customer service for the PSLF program and every time Ive been told that my loans are in a queue to be analyzed and decided on which payments qualify. When I first called in XX/XX/XXXX they said that sometimes it can be up to a year and to try again 3 months later. I tried in XX/XX/XXXX be they told me the same thing. In XX/XX/XXXX I submitted an employment verification form and was granted 8 months of qualifying payments ( it should have been approved, but 2 of  them were with XXXX so they must go through this review process ). After these payments were granted I called in XX/XX/XXXX to enquirer why some counted and some didnt and when my review would take place. I was again told it sometimes took a year and I pointed out that it now has been a year for my account. They couldnt explain it further. 

I called again in XX/XX/XXXX giving them almost an entire year to process my account, but still nothing has been done to verify these payments. The past time I called I went over the details with a customer service representative who even said it looks like these count, but we just need to verify them through the program. 

It has now been 2+ years, and my payments still arent verified. Please force this company to have some accountability towards this program and count my payments. Every time someone calls the most they ever do is ask for my account to be reviewed, but so far this has never accomplished anything.
Consumer complaint received 2019-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do miss XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that
Consumer complaint received 2019-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As of XX/XX/2019 I had $XXXX in my checking account.  I made purchases using my debit card on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as having had several unexpected automatic withdrawals in the same time frame.  Even though my transactions took place on those dates and were in the processing stage, Bank of America took it upon themselves to hold off on processing the transactions until a check cleared and sent my account into the negative.  The check didn't even show up on my online account or on my mobile app until the XX/XX/XXXX, but the bank shuffled the processing around so that 3 additional transactions which were processing days before processed after the check processed.  This caused my account to be charged 4 overdraft fees of $XXXX each.  Then on top of that they added an additional overdraft fee after my paycheck was directly deposited which brought my account into a positive balance despite the fact that there weren't any additional charges on my account causing it to go negative.  So on top of the 4 overdraft fees that they had already charged me, they added a fifth one, just to pocket extra money.  I tried speaking to customer service and even went as far as to speak with someone claiming to be a supervisor who told me that they would never reimburse any of the charges back to my account, despite being a loyal banking customer of theirs for over 16 years.  Please take notice of the number of transactions that took place putting the account in negative status.
Consumer complaint received 2019-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX XXXX found my checking account was being debited for money that had nothing to do with something I orderd. I found that the defect is XXXX  someone uses there info to steal money. I called XXXX and they are aware. In the past I had 2 checking accounts with Bank of America they charged me over and over again bank fees. Since I found out about the fraud I checked my statements for Bank of America. I found the same fraud the phone number they use is XXXX  XXXX-XXXX  without basic agencies. One that I found was XXXX  under XXXX XXXX. I need Bank of America to put in a claim for all the checking accounts but its been a least 1 year since I had them as my banker. I was so upset at the money and fees they were taking I would cry and ask them what I could do. I found $XXXX  worth of fraud actions. Can I recover the money and have them review the 2 checking accounts. They go back years. What should I do? Can they refuse to refund me the money and the fees as did XXXX XXXX. XXXX   XXXXXXXXXXXX.XXXX I have been very sick during this time. I took the banks word that all the transaction were correct. I know that this is not good.
Consumer complaint received 2019-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (MO)

XXXX  asked me what hospital I wanted to  go to, I told  them,  they took me to a different one,  they came the next day and picked me up and took me to the original hospital I had asked to go to ,and double billed me.  When I received the second Bill I  called  and asked  why I was receiving it and asked why I  wasn't taken  to it in the first place  and was told they probably didn't service or go to  that hospital  although they picked me up and  took me there on the second day while I  was groggy.