davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America sent me a past due notice today XX/XX/19. The full amount due was {$1400.00}. I immediately made a payment of {$1200.00}. I had the funds, just forgot to make the payment.I then wanted the {$25.00}. late fee reversed. In the past due notice was a message that said, " We're here to help, we appreciate the opportunity to serve your financial needs. Please call us at XXXX '', which I then did. I received a recorded message that said, '' We appreciate your business '' and then menu choices. At XXXX XXXX   they gave me a call back from the Virginia Office of BofA. I explained why i didn't make the payment, told them I had just made almost the entire payment, and would they please reverse the $ XXXX.fee. First person said no, I was not eligible to have the fee reversed, I asked why, she said, We don't need to give you a reason, you just aren't eligible. '' I asked to be connected to her supervisor, she connected me to her supervisor named XXXX from Virginia office, she said " it doesn't matter how long you have been a customer with us, and that you wiped out almost the entire balance, you are not eligible for a fee reversal, because you have not lived up to the terms of the agreement you made with BofA to make a timely payment '' ( paraphrase here ) I asked to be connected with the supervisors supervisor who word for word echoed the same statement as # 2 supervisor. All from the Virginia office of BofA. No regard for the fact that I have been a long-standing BofA customer, am XXXX years old, and on a fixed income. {$25.00}. means alot to me.
Consumer complaint received 2019-02-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the disputed issue.
Consumer complaint received 2019-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient has been overcharging interest on my federal XXXX loans. 

Even though I am on an IBR plan, I pay weekly ( approximating what I would have on a standard plan ) because I understand that interest compounds daily, and any overpayment I make is supposed to go to principal. 

On the first payment of every month for the past six months, I noticed that the split between principal and interest is off by almost $ XXXX as an overcharge in the interest category. None of my contact with Navient customer service has resolved this error. Please investigate.
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I bought some digital goods from a seller on XXXX. The seller sent me invoice via Paypal and I paid it. After 7 months one of the digital items I bought from the transaction was removed from my account. I contacted the seller via his paypal email and his XXXX account but there was no response. I contacted Paypal and my credit card to dispute the transaction but they told me they can not do anything after 6 months. This is how a scammer can get away with it and the buyer has no protection.
Consumer complaint received 2019-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XXXX/XXXX/2017
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

My loan was sold from XXXX to Ditech XX/XX/2018. My insurance and taxes are escrowed into my monthly home insurance payment. I received a notice from my Homeowners insurance company on XX/XX/XXXX that the Insurance invoice had not yet been paid. 
I contacted DiTech immediately XX/XX/XXXX. During the call I provided the name to the insurance company, insurance phone number, account number, and insurance agent phone number. ( Which I could already see was visible on my account profile online. ) The representative assured the payment would be made immediately. Yesterday XX/XX/XXXX, I receive another letter from the insurance and mortgage company that the bill was not paid. I contacted XXXX ( Insurance ) and they confirmed my insurance was pending cancellation. 

This morning XX/XX/XXXX, I contacted the Insurance Agent who advised I would need to pay XXXX to reinstate the insurance. She advised she had heard NOTHING from Ditech and was unaware a statement was required. DITECH has my money and has caused a lapse in homeowners and additional funds that needed to be paid. 

I demand to remove escrow and get full refunds for all funds paid to reinstate.
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I had originally disputed this debt on XX/XX/2018 directly with XXXX after sending two disputes to the credit bureaus. I went on the CFPB 's website and found a sample letter to dispute this account and request what was needed to dispute & validate the debt. 

I received a very vague response on XX/XX/2018 that did not address or validate everything that I requested. 

Even on the FTC website it states the following : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless  the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This was clearly ignored and could be argued that it is a violation of the FCRA.
Consumer complaint received 2019-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

A new account was added to my credit report with Equifax XX/XX/XXXX listed as XXXX {$5500.00}, however it shows no 'open date '. I disputed this with Equifax on XX/XX/XXXX via a letter as this is an old account ( over 7 years ) originally with XXXX which was already deleted from my report for being aged ( see photo ). It was the resold to a collection agency called XXXX XXXX ( this account was ALSO deleted for being aged at 7 years at the same time as XXXX being deleted. However, it was added to my report via XXXX  XX/XX/XXXX. Equifax opened an investigation re : XXXX between XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX Equifax closed the investigation and left the account on my report. However what they ALSO did at this time during the re-investigation is delete the part on XXXX XXXX in the ( things that have changed on your report ) section where it shows the date they added XXXX to my report. It USED to say it was added XX/XX/XXXX in the " things that have changed section '', but they deleted that all together when i filed a dispute. If this is legit then that shouldn't have been deleted as it is a part of the account history. They added XXXX to my report on XX/XX/XXXX, why are they hiding that fact that used to show? Fortunately, l have a copy of the email XXXX XXXX sent me when XXXX was added to my report with Equifax on XX/XX/XXXX ( took a photo of this email as proof ). 

This account was originally from XXXX. XXXX was deleted from my credit report between XX/XX/XXXX - XX/XX/XXXX for being aged at 7 years ( photo included ) .This account was then sold to XXXX XXXX where it was ALSO deleted at the same time as XXXX for being aged at 7 years ( between XX/XX/XXXX - XXXX XXXX, XXXX. It was then sold again to XXXX who added it to my report where it sits today, but since it is aged at 7 years, it shouldn't be on there.
Consumer complaint received 2019-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AL)

I was notified of a missed payment that was paid. This was in XXXX of 2016, I explained that I did not think I was behind and made another payment to make sure. Ever since then it has showed a missed payment when they were paid accordingly. My payment status on this loan is perfect and always on time.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OR)

In a current an Oregon Judicial Foreclosure and a new party XXXX XXXX , XXXX XXXX, inserted themselves into the case fore which they have never communicated with me before this case, as I am requesting through the attorney of record for an address for the company as well as an agent for service of process, wherefore they have no offices in the state of Oregon and he is not forth coming with the information. 

The attorney claims that they are getting their information in regards to the case from another company Ocwen, yet I have never received any communications from that company either. 

The attorney is also claiming that the Uniform Interstat Deposition and Discovery Act is not being followed, yet if I am unaware of their location, how would I know? 

Case is in XXXX County Oregon Civil Case # XXXX.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (GA)

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX  ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: REGIONS FINANCIAL CORPORATION (MS)

I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015 and XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (FL)

REPEATED CALLS FROM PHONE NUMBER XXXX WHICH APPEARS TO BE FROM A COMPANY LISTED AS OPTIMUM OUTCOMIES INC, XXXX XXXX XXXX, XXXX  NC XXXX. AUTOMATED CALLS REFERRING TO A PERSON WE NEVER HEARD OF BY THE NAME OF XXXX XXXX. WE DO NOT RESPOND TO THE BECAUSE WE ARE NOT THE PERSON THEY WANT AND THE PHONE NUMBER THEY CALL US AT HAS BEEN USED BY FOR SEVERAL YEARS AND WE ARE DEBT FREE.
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CA)

I leased the car from XXXX XXXX XXXX. I planned to buy it at the end of the lease, so my service rep recommended I get 7 years of XXXX XXXX. They charged me {$860.00} but misrepresented what I was buying. 

The logo at the top of the contract says " XXXX ''. It does not say " XXXX XXXX ''. This is pertinent because I predicted XXXX XXXX would go out of business, based on the way their management treated the employees and neighboring businesses. I would never have paid for a warranty backed only by a dealership whose ship was sinking. They gave up their XXXX contract about a year after I leased the car, and all employees moved to XXXX XXXX. I got my service from XXXX thereafter, and turned the car in there. 

I called XXXX XXXX to discuss a {$350.00} turn in fee that was not disclosed verbally, and was obscured by a line on the contract, so I didn't see it. I also asked them to help me get a refund for the extended warranty, because I didn't use it. A representative of XXXX at XXXX told me I should get a full refund. XXXX at XXXX XXXX XXXX ext. XXXX said he would take care of me. As of XX/XX/19 XXXX had not followed up, so I wrote the attached letter. 

XXXX called me this weekend only to tell me he would not help. He claims that XXXX has nothing to do with the warranty, and my only recourse is to go back to XXXX XXXX, who is out of business. 

I told him that it is sold as an XXXX product. I am asking them to deduct the money they owe me from the money I owe them, and send me a refund. The bill they sent me listing the money I owe them is in error. They claim I only turned in one key, and charged me for the other key. I turned in both keys and can prove it with the attached paperwork from XXXX. 

The amount they owe me is minor, {$150.00} if I pay the {$350.00} fee that is obscured ; or {$500.00} if the CFPB agrees they should not charge that fee. The real issue is bigger than my complaint. 

XXXX sells a warranty under the guise that it is their product and that XXXX backs it up ; then when it comes time to pay, they disavow a relationship to the warranty. That policy deceives the consumer.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I received a promotional offer in the mail. The offer was for an APR 16.99 % after 12 months of 0 % interest. I applied for the card online and the application was approved, but the APR changed to 24.85 %. I contacted the company directly and spent an hour and a half trying to get to the right person that could help me. Unfortunately, no was able to help me and told me they cant change the interest rate. They also made the statement that they didnt see any promotional offer entered on the application. 

I informed them that I entered the promotional code XXXX that was on the paperwork they advertised to me. They said they couldnt do anything to help me. They also informed me that I dont have to keep the card. At this time my credit has been affected by their inquiry and will effect further applications and percentage rates. Due to the consequences I feel Citi is liable to deliver what they have advertised. Otherwise this should be considered a case of bait and switch.
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA is stating that I didn't pay XX/XX/2019 car loan payment and that the payment was reversed. I tried to pay via my wife 's account and although they debted her account they sent a check because we made one also via my USAA account. It states on my account the payment was reversed, but I never receieved a refund to my account with USAA. I only received a check from the attempt to take from my wife 's account. Now they are saying I never paid XX/XX/2019. They took from my account and never gave me a refund to my account. So now I'm out XXXX dollars They also reported my account late for 30 plus days over XXXX cents instead of informing me I was late on XXXX cents. I never receieved notification that I was short XXXX cents. Now I have a late payment on my account for XX/XX/2019 and they are claiming I never paid XX/XX/2019. Nothing makes sense.
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

1 ). I am the object of collection activity arising from consumer debt.

2 ). Select Portfolio Servicing is a debt collector as defined by the FDCPA.

3 ). Select Portfolio Servicing has engaged in acts and omission prohibited by the FDCPA.

Specifically the fact originator XXXX XXXX XXXX was not incorporated nor licensed to do business within the State of Connecticut at loan origination in XXXX, thereby violates Section 1692e of the FDCPA by using " false, deceptive or misleading representation or means in connection with the collection of any debt ''.

Secondly, even if the debt were legitimate, the Statute of Limitations well expired on any collection efforts ( XXXX - late XXXX ). 

And, finally, I have very good reason to believe the prior servicer, XXXX XXXX XXXX, received payment in full on said instrument. If this proves to be true then " [ t ] he false representation of the character, amount, or legal status of any debt, '' and " [ t ] he threat to take any action that can not legally be taken or that is not intended to be taken ', has been violated. 15 USC Section 1692e ( 2 ) ( A ). 

Thank you.
Consumer complaint received 2019-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Triton Management Group, Inc (SC)

Received check in mail from XXXX XXXX for {$800.00}. Before the check could be deposited to my bank I had to call a number to get verification number. to activate check ... .Called, spoke to lady gave her additional information that she ask me about. Deposited check the next day. 2 days later checked my bank and they had had the check returned stating problems with endorsement. Called them, they could not find an answer, talked to my bank, they were confused as to why returned check. Then corporate office calls me and says sorry it was a mistake on our part. Gave no reason why. Then told me I would have to get all this personal information of mine and come to the store and give them all this to get check reissued. And that was the only way. Sounds funny to me. Sounds like that's the way they run their business. Making me have {$1200.00} overdraft with my bank. and now can't pay bills because of this ... I intend on complaining to everyone I can. This was definitely a scam.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westcreek Financial (IL)

I saw on my XXXX  credit report that I had an account with West Creek Financial but I never opened one. After submitting a dispute through XXXX, I informed West Creek Financial about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my XXXX  credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I reached out to PNC Mortgage on XX/XX/19 to inquire about my escrow statement, and I believe they are in violation of RESPA. RESPA states that PNC can not collect more than one sixth of my annual escrow amount to hold as a cushion. My taxes this year were {$7900.00} and my insurance was {$970.00} ( {$8900.00} total ). We will have {$2000.00} in escrow after the XX/XX/XXXX payment. Our escrow is increasing to $ XXXX/month and they have also told us we have to pay a shortage of {$960.00}. The total for the next 12 months with these figures is {$11000.00}. That is an overage of {$2900.00} when our escrow payment is now {$740.00} ( 4 times the monthly escrow amount ). 

I'd like to confirm this is, in fact, a RESPA violation, and what recourse we have. 

Thank you