davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (WV)

ON XXXX XXXX, XXXX, A DEBT COLLECTOR CALLED, CONCERNING A SO-CALLED OLE CELL PHONE BILL, FROM XXXX. THEY TOLD ME IT WAS FROM XXXX OR XXXX? 

THE SO-CALLED BILL, WAS FOR {$140.00}. I PAYED THIS VIA MY ''BB & T BANK DEBIT CARD '', ON THAT DAY, BECAUSE I WAS ABOUT TO CLOSE ON OUR ''NEW HOUSE '', ON XXXX XXXX, XXXX, LOCATED IN XXXX, XXXX I WAS AFRAID THIS WOULD CANCEL MY NEW HOME DREAMS ...? SO EVEN THOU I DID NOT OWE THIS CELL PHONE BILL, I PAYED IT. NOW THAT I HAVE BOUGHT OUR NEW HOUSE, I WOULD LIKE TO FILE A DISPUTE WITH ''BB & T BANK '', FOR THE AMOUNT OF {$140.00}. 

PLEASE RETURN THIS TO MY CHECKING ACCOUNT, BB & T BANK. 

THANKS, XXXX Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? 
Threatened to sue me on debt that is too old to be sued on Describe what happened so we can understand the issue ... 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX SC XXXX BB & T CHECK CARD PURCHASE {$140.00} They told me I had to pay the CELL PHONE BILL FROM XXXX, EVEN THOU I DID NOT KNOW IF I EVER HAD THIS CELL PHONE #, OR NOT..? 

NEVER GOT ANY STATEMENT, OR BILL. THIS WAS SUPPOSE TO BE FROM WAY BACK IN XXXX OR XXXX? 

THE ''REP '', ALSO T0LD ME IF I DID NOT PAY NOW ... ( XXXX XXXX, XXXX ) ; THAT THEY WOULD TURN THIS BILL OVER TO ALL CREDIT AGENCIES.. ( XXXX ). 

AND THUS LOWERING MY CREDIT SCORE ... ... ( I TOLD HIM FRAUD HAD BEEN COMMITTED, WHILE I WAS LIVING IN XXXX, DURING THAT TIME, TIL XXXX. I MOVED TO THE XXXX IN XXXX XXXX, XXXX, RETURNING ON XXXX XXXX, XXXX. 
FRAUD HAD BEEN COMMITTED AGAINST ME, SEVERAL TIMES. I TOLD HIM ( XXXX ), THIS. 

AND THAT I WAS ''NOT SURE '' IF THIS WAS MY DEBT OR NOT. BUT THEY AGAIN THREATENED ME. AND I WAS TRYING TO BUY MY NEW HOUSE, THAT CLOSED ON XXXX XXXX, XXXX. 

I WAS AFRAID THIS WOULD HARM ME GETTING OUR NEW HOME, SO I PAID THIS UNKNOWN CELL PHONE BILL, THAT I HAVE NEVER HEARD FROM NOR ABOUT. 

THANKS, XXXX XXXX ... .EVEN IF I HAD OWED THIS..??? IS THERE NOT A TIME LIMIT WHEN BAD REMARKS COME OFF OF XXXX 'S CREDIT STATEMENT ...? LIKE AFTER 7 OR 10-YRS ....? BUT AGAIN, I DO NOT REMEMBER THIS SO-CALLED CELL PHONE BILL. 

Consent to publish the description of what happened? 
Consent provided What do you think would be a fair resolution to your issue? 

GET MY MONEY BACK, OR PROVE THAT NOT ENOUGH TIME HAS PASSED, THAT I HAVE TO PAY, ( IF I OWE THIS AT ALL ) ..???? 

PLEASE GIVE MY {$140.00}, & SEND ME A CHECK TO MY NEW HOME ADDRESS ( BELOW ). 

XXXX XXXX XXXX XXXX, XXXX XXXX THANKS, XXXX XXXX Information Edit this section Debt collection company XXXX Phone Number XXXX Supporting documents VA APPRAISAL $ XXXX ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FCI Lender Services Inc. (AZ)

I contacted FCI Lender Services on XXXX XXXX by phone and spoke with a XXXX XXXX at Extension XXXX who informed me that I FCI Lender Services provides the negotiations for Loan Modifications and that I needed to put together the package of information and send it to them via fax or mail. I submitted my loan modification application and completed their questionnaire on XXXX XXXX, 2016 via fax and also by USPS with receipt requested delivered on XXXX XXXX, 2016 and signed by a XXXX XXXX. Today is XXXX XXXX, 2016 and I have not received any response to those my Loan Modification request or acknowledgement of such. Additionally, I called again on XXXX XXXX, 2016 and left another message with the general information Voice Mail for FCI Lender Services Inc which has also gone unanswered. I am filing this complaint as I have not received any response to my application.
Consumer complaint received 2016-03-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: POPULAR BANK (NY)

I called Banco Popular on XX/XX/XXXX to make the payment for XX/XX/XXXX, which was due on XXXX XXXX but I usually like to pay earlier. When I did, they told me I owe for XX/XX/XXXX. I said, " No I do n't '' and they said " Yes you do. '' I said, " Is this going to be back like the past? I 'm going to call the bank and ask them to show you proof that I paid in XX/XX/XXXX. I paid on XXXX XXXX and Banco Popular withdrew it on XXXX XXXX. '' I got the statement and faxed it to them, and they said they did n't get the fax, although I had received a verification receipt. I said, " So you 're lying '' and he asked me to send it to him again. I sent another one right then. When he got it, I called and he says to me, " Yes, I 'm looking at it but we 're not going to accept it. We want your whole statement because we want to see how much money you have in your account. '' I said, " No, I 'm sorry, that 's my personal business. '' I called the Attorney General 's Office and they told me that I was right to do what I did and they can not force me to send them the documents like that. I am in collections for payments I am making.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Roughly three years ago, I purchased a new home at XXXX XXXX XXXX, XXXX VA, XXXX. From the point of closing I said up an escrow account to be sure that all my taxes and insurance were being paid in a timely manner. However, from the point the mortgage began, the company who is servicing my account " Select Portfolio Servicing ( SPS ) '' has been delinquent in paying my taxes every single time. Every month I receive threatening tax collection notices from XXXX county and the tax collecting company that they use. I then have to spend hours of my time every month tracking down SPS to make sure they are paying the county, and then following up with the county only to find out that despite promises SPS did not make payment. The pattern repeats itself every six months when my taxes are due. SPS does not make payment, the notices come in, I have to rack everyone down, SPS still drags their feet, and eventually they pay, after incurring massive interest and penalties. One one occasion I even noticed that SPS was making me pay for the late fees. After I pointed this out, they reluctantly paid me back, but did not compensate me with interest, which is ironic considering how much interest they charge me for borrowing money from them. I am a pretty sophisticated consumer, but even I am uncertain if they are still charging me for the late penalty.
Consumer complaint received 2016-02-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARC Management Group, LLC (LA)

I never received a bill from the hospital or collection agency. This debt is for a hospital bill for my grandson. He lives with me. His mother has medicaid for his insurance. I brought the child to the hospital for emergency care. Upon checking my credit, I found this unpaid bill. I called the collection agency to give them his medicaid information and dispute the bill. I disputed this bill with XXXX and they have concluded that the bill is mine. Nobody is doing their job. This bill should be paid by medicaid or at least belong to his mother. They have also added his mother 's address to my credit report and I have never lived at this address.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I experienced a short-sale on my previous home in XXXX, XXXX. I had a first and second mortgage with Bank XXXX XXXX. At time of short sales, XXXX mortgages were fully reconveyed as the new owner took possessionXXXX marked XXXX mortages as " PAID AND CLOSED. '' However, some time in XXXX, Nationstar Mortgage began to report the XXXX mortage as open/past due! I did not even notice this until mid XXXX. Despite attempts to work with them, and sending them requested documents, they still report the loan to credit bureaus. This is really hurting me at this time. I have enclosed all documents I sent to them, and to XXXX who is participating, but they suggested I write to you. The documents include a record of FULL RECONVEYANCES on the property for XXXX mortgages. How do we get them to remove these records, and tell the credit bureaus THEY WERE COMPLETELY WRONG AND i HAVE BEEN " CLEAN '' SINCE XXXX XXXX?
Consumer complaint received 2016-12-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OH)

In XX/XX/XXXX I lost my job, collected unemployment, applied for Save the XXXX Ohio, In XX/XX/XXXX. My application for assistance was approved by SDO. XXXX Nationstar states they did not receive any files from Ohio for my assistance. Save the Dream states they sent file to Nationstar and did not receive anything back. I have until XX/XX/XXXX to file an appeal with SDO, Save the Dream told me to submit appeal when Nationstar approves my file. Nationstar states they are waiting on Save the Dream. I need HELP
Consumer complaint received 2015-12-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (WI)

I received a letter from GC Services Limited Partnership stating that they had been retained by the Dept. of Education to collect on a defaulted student loan. As I have not been in school since XXXX and never taken out a student load, you can imagine my surprise in receiving such a letter. I have been in contact with the Dept. of Education and their Ombudsman and they both indicate that I have never taken out a student loan. I have been in contact with the Company and have reason to believe that they maybe fraudulent.
Consumer complaint received 2016-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

The company " Navient '' recently raised my monthly premium with no communication or authorization from me. Navient employees harassed me with phone calls, some times as many as 6 a day stating I was past due on my account even though I authorized them to withdraw a specific agreed upon amount on a monthly basis for specific amount of time. Also, the company " Navient '' does not offer sufficient payment options to their customers. For example, the only option to pay online is a withdraw from a checking account.
Consumer complaint received 2016-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX HUD-1 Settlement Statement, which I had received at the Closing on the evening of XX/XX/XXXX, at the Law Offices at XXXX, IL XXXX, under Attorney-Client Privilege, from XXXX, IL XXXX. I need Bank of America to return that original HUD-1 to me. 

Sincerely, XXXX, IL XXXX
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I use to live in XXXX XXXX XXXXafter leaving I had n't final walk through with the apartment manager at the time, who advised that my deposit in file will be used for cleaning the oven fee.. No other bill/invoice was sent to me.. Even after providing my fowarding address to the propert manager. I then revived harassing calls from an collection agency after a year.. When I inquired on why I never revived either a bill/invoice. I also at the time inquired with the women what happen to my deposit that was on file. She advised that has nothing to do with her. The company refuse to provide my original lease information from 2006 when I moved into the property with my deposite.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been trying to secure a loan modification with Nationstar Mortgage for several years now. I was the trustee to my mothers estate when we began working with Nationstar after my mother 's passing Nationstar has refused to speak with me as they do not acknowledge that I am the sole person in charge of her Estate I have forwarded all documents to prove who I am, this has caused major problems and I am now in danger of foreclosure. I am including a letter I sent to Nationstar. XXXX XXXX, 2016 To : Nationstar Mortgage LLC XXXX XXXX Director, CEO XXXX XXXX XXXX President, CEO XXXX XXXX XXXX , CRS XXXX XXXX XXXX , SPOC XXXX XXXX , SPOC XXXX XXXX XXXX XXXX XXXX XXXX , Supervisor Loan Modification Department XXXX . XXXX XXXX, XXXX, Tx. XXXX Re : Loan # XXXX -XXXX XXXX XXXX - Your reply to my XXXX Complaint and your abusive non performance. 
" In the Estate of XXXX '' XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : We received a reply to the XXXX appeal that we filed from XXXX XXXX XXXX at Nationstar Mortgage XXXX XXXX, XXXX, TX - phone number XXXX dated XXXX XXXX, 2016. 
XXXX XXXX stated that we could contact him with questions regarding proceeding with our loan modification request and suspension of the scheduled illegal foreclosure of my home. The decline letter dated XXXX XXXX, 2016 has a number of decline reasons that are incorrect. It seems that our file information may have been mixed up with another file at Nationstar. We HAVE BEEN SAYING THIS FOR GOING ON THREE MONTHS NOW AND NO ONE WILL TALK TO US. 
I called XXXX XXXX today and got the message that HE IS NO LONGER WITH NATIONSTAR AND TO CALL XXXX. I called that number and it answered " XXXX HOSPITAL ''! 
I am not being treated with " good faith '', " professionalism '' at this time and I protest! 
Please IMMEDIATELY STOP BLOCKING my communication with your staff so that I may have a problem solving conversation to approve my loan modification with a Vice President who understands your policy and will not be fired. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Society Business Services, Inc. (AZ)

Bureau of medical economics, XXXX AZ XXXX ; has put a debt belonging to my oldest son, XXXX years old now 2 times in my Credit Report, first in XXXX XXXX and the 2nd time on or about XXXX XXXX, both times I call them and explain them was n't my debt and they knew was n't mine when they ask me for my social security number but they told me both times I had to make my Son paid them the debt so they can take it out of my Credit Report, both times I left feeling like am a hostage during this process, had to hire an attorney to dispute both times and last time I was or in the process to apply for a loan to buy a property in XXXX , AZ , when I call the Bank they told me I will still qualify but my interest rate will be higher because of the derogatory information on my Credit Report, In XXXX my Lawyer send a letter to this Company to pay me {$2000.00} in damages and they never respond or pay, I believe taking somebody hostage to make somebody else to pay a debt is a CRIME! I have recordings were they say do n't care and they wo n't take the false information out of my Credit Report unless my Son paid them.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My Chase accounts had fraudulent activity transacted through them. These issues concerned Chase Pay, XXXX, and XXXX along with other non-recognized charges. Chase froze the account without informing me. I had to call into multiple CSR 's to find out what was happening. I changed debit and credit card numbers per Chase 's recommendation. I identified the fraudulent activity and reported it to Chase. Chase banks response was to state that they would no longer do business with me, restricted my account without informing me, and refused to allow me to withdraw or transfer funds. I spent a week going back and forth with their branches and customer service people who fed me inaccurate information : One day they said they would instruct the branch banker to override the restriction so I could withdraw my funds. Then said that they had not done that and that they wouldn't. This back and forth went on all week. To make this more egregious they would arbitrarily accept or not accept my identification. Their response to this was to state " Well, you just keep trying different Chase branches. '' This has been total and complete exercise in discrimination. 

Chase also failed to address the fraud on my Credit card which was part of the same situation. I provided Chase with the items and offered to send them the communications from XXXX and XXXX which corroborated the fraud. Chase never contacted me about these items and simply recharged the replacement card for the items. 

I have never experienced a bank that is so disrespectful to its clients, incompetent and simply discriminatory in it's practices.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

XXXX XXXX University offered me a No payments no interest loan for the balance of my tuition after I graduated I was told that I would n't have to pay every month but I should pay some every once in awhile there was no minimum fee and no minimum payment after a year I found out it was put to collections. once I found out it was in collections imediately negotiated a prompt settlement for {$2000.00} that was due by XXXX XXXX I completed payment of {$2000.00} on XXXX XXXX 2015 on the basis that XXXX release my degree and all documentation between XXXX and myself be submitted to me as well. after a few months I had not received anything and then I got a letter in the mail from XXXX saying I should use my tax refund to pay off my remaining balance of XXXX dollars. I immediately called and asked what had happened they told me I had not made payment in the proper amount of time. so I ask to speak to a manager and that I was told they would return my call within XXXX hours I have since call the XXXX more times are over the course of XXXX weeks without so much as a return phone call or have spoken to a manager. I did everything general revenue corporation asked, I have a recorded phone conversation of them stating the {$2000.00} balance that I would pay and the subsequent payment information I am a XXXX I also have bank statements proving I paid the {$2000.00} and my account still has not been closed
Consumer complaint received 2016-10-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Information Bureau, Inc. (WA)

I am currently in the XXXX XXXX. I supposedly have a collection pending for a transaction of XXXX XXXX I never have received notification to pay this amount before going to collection. I believe it is unfair because if at any time i would have receive a notification, this would n't be in collections right now.
Consumer complaint received 2015-08-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a home equity line of credit with Bank of America, and I responded to a letter which notified me of the option of applying for a home loan modification. I had previously signed up for paperless billing, so I was relying on their account access for getting my statements. Once I had applied and begun the modification process, Bank of America blocked my access to online statements. Furthermore, my online access no longer will tell me the payment amount due, and I am not even sure if my payments are being applied properly. When I called them to ask about this, I kept getting referred to many different customer service departments, none of which could help me, and all of which said that I would not be able to access my statements or account information while the modification process is active. I need a copy of my statement to submit to the StepForwardMichigan ( HAMP ) program, and I am unable to apply until I have this information. I believe Bank of America is deliberately trying to get me to stumble so that they can begin adverse action - I can not think of a legitimate reason for blocking account access for a customer in good standing.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following Account NameXXXX Account Number_ XXXX Original Creditor_ XXXX Date of Alleged Late Payment_ XX/XX/year> This account was closed and paid in full on XX/XX/year>. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Billing disputes — 
Company: GreenSky, LLC (WI)

I have been doing business with greenskycredit aka XXXX and have been paying an authorized dealer on a weekly basis by automatic w/d from my account. It has come to my attention when I recieved my bill and late fees and excess interest that this party has not been posting my payments. On the following dates the payments were pulled from my account and on the following dates they were credited to my credit account. 
XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX never posted XXXX/XXXX/15 XXXX never posted This company has also been assessing late fees on this account the most recent one was assessed on XXXX/XXXX/15. This is a direct result of the destributor failing to post payments.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (GA)

XXXX accounts were opened under my name and social unknowingly. I found out this information on my credit report. Someone used my information in XXXX and XXXX. Using my information to have payday and XXXX transactions via the accounts under PNC and XXXX XXXX. Neither are me. Very upset.