davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

There was an unauthorized cash withdrawal from my checking account at Citibank on XXXX XXXX, 2017 for the amount of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars ). Since I did not withdraw this money and I 'm the only person on this account I contacted Citibank as soon as I discovered this transaction on XXXX XXXX, 2017. I requested an investigation of this transaction and Citibank just sent me a letter dated XXXX XXXX, 2017 stating that the disputed transaction was not fraudulent. I did not do this cash withdrawal from my account. Previously, on XXXX XXXX, 2017 I had written a check for {$1700.00} the exact amount of the cash withdrawal, but called Citibank to place a stop payment on it. ( I 'm attaching stop payment confirmation letter from Citibank ). If Citibank paid for this check, then, it is their mistake. My checking account records do not show that this check was cashed either. My records indicate that the withdrawal was done through a teller at a bank and it was a cash withdrawal.
Consumer complaint received 2015-04-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Services Collections, Inc (TX)

UT XXXX XXXX CenterItemized Statements XXXX & XXXX Received XXXX/XXXX/XXXX, and Related PaymentsI received subject itemized statements for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I paid all invoices received from UT XXXX. But they submitted bill for {$290.00} to Account Services Collections, and placed on my credit reports. 
Billed to my XXXX XXXX:XXXX {$3700.00} and paid {$3600.00}. 
Balance due : $ XXXX was billed and paid : {$72.00} - XXXX/XXXX/XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX XXXX to my XXXX Insurance : XXXX/XXXX/XXXX {$2900.00} and paid $ XXXXBalance due : $ XXXXI was billled and paid {$420.00} - XXXXGrand Total Balance due : {$430.00} Grand Total Paid by me : {$700.00} Diff. {$270.00} due meAccording to your policy, the payment made on XXXX/XXXX/XXXX was charged at the time that the XXXX/XXXX/XXXX appointment was scheduled. As you can see, I was overbilled, and overpayment was made for these appointments in the amount of {$270.00}. Therefore, UT XXXX XXXX XXXX owes me {$270.00} for these overcharges. 
Please remove the collection of these bills, since I have paid all invoices as billed. Furthermore, please refund the amount overpaid. I am also notifying the Better Business Bureau and the Federal Trade Commission of these over billings. 
Sincerely, XXXX XXXX XXXX XXXX XXXXCc : XXXX Federal Trade Commission
Consumer complaint received 2017-04-24
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a scam and Identity victim. Two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA  office.     There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX . There are  six peop le that have filed police reports on thes e two a nd we are all working together toward getting justice.     Now, I have disputed the charges on the Ban k of America CC. T HESE CHARGES ARE FRAUDULENT.     Ban k Of America ca me back with a statement and a copy of  XXXX  transaction telling me that this is my signature. Its very clear ... that its not my signature. I explained that to BOA and I was told they would reopen the investigation. That has never happened.     Since them I have been harassed to pay this since  XXXX     2016. (  10 months ) Despite the numerous letter and attempts to resolve this issue.     I will repeat myself, these are fraudulent charges on these  XXXX  accounts. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that BOA remove all fraudulent charges.     PS : I can provide witnesses and police report upon request.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (TX)

Seneca Mortgage Servicing is infringing on my rights as a senior citizen ( over XXXX ) to pay my real estate taxes in accordance with Texas law section XXXX which allows taxes to be paid in XXXX equal amounts due XXXX, XXXX, XXXX and XXXX without penalty or interest. I 've been doing this for the last 14 years with no problem. On XXXX, I received a letter from Seneca regarding non payment of delinquent taxes even though I was on schedule and my taxes were being paid. They gave me 30 days to contact the office for resolution. I contacted their office on XXXX and they informed me that Seneca had already paid the taxes on XXXX and an escrow account had been set up. I 've made XXXX phone calls to the Seneca tax office and customer service with no resolution. 
This is an obviously ploy to unethically/illegally set up an escrow account.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX account XXXX, XXXX credit card account ending XXXX, XXXX account ending XXXX and XXXX credit card ending XXXX all paid on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. They have not reported these 3 month when they have been paid on time
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (IL)

Mind you with Illinois 's state budget impass and BMO Harris Bank located mostly in our region, this is how my story goes BMO Harris Bank online account displays a positive balance when logging in, which is accurate when you line up your quickbooks or bank register to reconcile. What you do n't know as an account holder is that you need to scroll through each and every transaction ( yes, I have screen shots and documents to show this exactly ), wether you are a personal or business account holder. Why? This is where the deception is : If you have a debit removed from the past few hours in your account and you deposit funds daily automatically, via ACH, cash, check, state comptroller, etc. BMO Harris will not only ignore your deposit ( even though the online account shows a positive available balance, they will return your item for a {$35.00} fee and unknownst to you, decide wether or not to charge an additional {$35.00} overdraft fee. So the next day you are confused on why your balance may be higher and items were returned. Stay with me it gets worse, now there is no human looking at your account ever, so if you miss this because you only looked at your online account balance, which shows a positive available balance, the next day is {$5.00} fee, and every day until you deposit more money to cover the $ 75+ banking fees. The sad and painful part is that the original item debited ( XXXX ) was only {$34.00}, but now cost you {$100.00} AND BMO Harris has not paid the item causing a second round of full fees. I called and visited a branch 30 minutes from my company this past week, not one familiar face was there, showing my ID again, mind you BMO opened my company in 1997 with a XXXX  XXXX. Are you as suprised as me that not one person in 20 years was still employed at the branch? XXXX on the phone said, " this is not a banking error, no fees will be removed. '' Because this has caused both myself and my accountant such confusion we stopped having payments removed automatically as of XX/XX/XXXX. It has been 18 days later and over {$1000.00} in banking fees between BMO Harris and vendors who I have reimbursed for their NSF fees. Unfortunately, I do not have the money to retain an attorney. I have called more than once, but to this day have had no resolution.
I have received two automatic replies on their chat and XXXX page ; Of course removing my complaint and not one person has reached out.
I bet this is a part of their business model learn from me, and use ANY other bank that lines up the accounts accurately with what is displayed.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion keeps changing my social security number on their file. This has been going on since XXXX 2013. I send them copies of my driver license and my social security cards to fix it. They fix it, then it gets changed again. This is preventing me from getting a place to live, as places can not check my credit.
Consumer complaint received 2016-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

My husband and I both work in qualifying public service positions making XXXX qualifying payments, and were on the IBR repayment program until recently. We switched to REPAYE to lower our monthly payments for the remainder of the time we have to make XXXX qualifying payments. 

We were told that the process would involve our loans being temporarily placed on forbearance, during which time we would need to make $ 5 monthly payments. After that time, we would start making payments at the rate determined by our REPAYE eligibility. 

His experience went as described, though the time between his last forbearance payment and the first REPAYE payment was not a full month. 

My experience did not go this way. My loans were taken off IBR, then placed on forbearance as described. My forbearance ended XXXX/XXXX/16, right after I made a {$5.00} payment. My account said I had a full payment of {$260.00} due XXXX/XXXX/16 - not the REPAYE payment I was told would be due ( per a letter on XXXX/XXXX/16 would be {$53.00} starting XXXX/XXXX/16 ). One PHEAA staffer told me on the phone last Friday that the showing of the {$260.00} was to let me know what my full payment would be if I chose to opt out of REPAYE and that I could ignore it. An email from a XXXX stated otherwise, indicating that if I did not make the payment, it would go to collections, and other problems would ensue. 

I hope my payment due XXXX is truly for XXXX as their XXXX letter states, and that this is the last of our issues with PHEAA, but I just do n't trust them and want CFPB and the public to know to be on the lookout. I hope CFPB can pressure PHEAA to be more consistent with keeping their word, and less apt to make mistakes like this that can put borrowers in an undue hardship. 

Thankfully, my husband has done his research, and read many stories of scenarios like this happening with PHEAA and other servicers, and planned accordingly. He had bad experiences with XXXX XXXX before refinancing with PHEAA, and his process of refinancing went very poorly due to inconsistent communication from PHEAA, so he was on the lookout. We made the {$260.00} payment, though it will be a few days late but it should be well within our grace period. This is in an effort to avoid the account going to collections. Others facing this may not be so lucky. 

Thank you for looking into this issue, and please warn other borrowers to watch these student loan servicers like hawks - assuming they will make mistakes ( intentionally or not ) so borrowers can be prepared to deal with it when it finally happens - which seems like an inevitability.
Consumer complaint received 2016-02-28
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Clarity Services (TX)

On Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from XXXX XXXX and XXXX from Clarity Services Inc. I set up a Credit Fraud Alert with XXXX on Monday, XXXX XXXX, 2016 immediately.I filed a complaint with CFPB about the XXXX XXXX incident ( Case number : XXXX ) and i got that one stopped. I learned from my XXXX Fraud agent on Wed, XXXX XXXX, that Clarity Services is a third party that pulled my credit report in response to an online loan application filed in my name with a company called XXXX XXXX. I have never heard of XXXX XXXX and did not make this application. I called XXXX XXXX directly ( XXXX ) and informed them that this was fraudulent. They told me that they would stop the loan process and send the application to their fraud department. Then, on XXXX XXXX I got another email alert from my credit reporting company telling me that Clarity Services had again pulled a second credit report on me. I do not know if Clarity Services once again did this for XXXX Loans or for a different entity. However, I have not applied for any loan or credit anywhere in XXXX or XXXX 2016 so any application now is fraudulent.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX - XXXX XXXX {$1600.00}, XXXX XXXX XXXX {$210.00}, XXXX XXXX XXXX Bal. {$82.00}, XXXX XXXX XXXX Bal. {$760.00}, XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I have been trying to have my XXXX mortgage company Select Portfolio assist me with having my XXXX mortgage subordinate since XXXX 2015. My XXXX lien holder submitted the paper work on XXXX XXXX, 2015 I spoke with a agent of Select Portfolio who indicated the paperwork was received and would take five days for review. I was informed by a agent of Select Portfolio on XXXX XXXX that my case was closed out because we fell to send them paperwork that was requested. ( Here is the problem ) The same day that Select Portfolio request this information they updated the notes in my file stating what paper work is needed they then close out the request without me or my XXXX lien holder ever receiving the information. I am assigned a case manager XXXX XXXX but as of this writing I have never spoken with her, she has never contacted me and my request to speak to her have been denied. On XXXX XXXX, 2015 after speaking with XXXX XXXX in the ombudsman department she attempted to assist me by having me send all of the requested documents to her directly and she would walk my paperwork over to the supervisor of the subordination department. On XXXX XXXX, 2015 I spoke with XXXX XXXX who informed me all the documentation was received and delivered to the Subornation Team and again it would take them five days to review. I contacted Select Portfolio on XXXX XXXX, 2015 to find out again my request was closed do to paperwork being requested by me. Again I was never contacted by any agent of select portfolio nor was my mortgage company notified. At this point, I have no choice but to believe Select Portfolio has any interest in helping us with the modification of our first mortgage. If this modification is granted we will see a {$500.00} dollar deduction in our first mortgage which will have no adverse effect on my payment obligation with Select Portfolio. However I will not be able to succeed in making this happen because Select Portfilo ( XXXX lien holder ) has to sign off on the agreement in order for this to happen. I am seeking to make a complaint against the company for above matter.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am submitting a complaint about my student loan .I have received letters informing me that XXXX XXXX reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my XXXX credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my XXXX credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I am trying to refinance my loan through a different lender than my current lender nationstar. My new lender received a pay off from nationstar mortgage which currently holds my mortgage. The pay off received shows principal owed and lender paid expenses. They show XXXX in current principal balance and show XXXX as Lender Paid Expenses. How it 's written on their mortgage statement is XXXX interest bearing principal balance, XXXX non interest bearing principal balance and XXXX lender paid expense. The main problem with the pay off received is that, nationstar is adding my non interest bearing principal balance of XXXX with the lender paid expense of XXXX and showing it as a giant lender paid expense of XXXX. My new lender is not allowing my refinance to go through because nationstar is inaccurately showing XXXX as a lender paid expense. This is giving the indication that Nationstar has incurred this much in expenses while servicing my loan which is inaccurate. My current mortgage has been modified through the XXXX program and it was divided into an interest bearing and non interest bearing principal amounts. nationstar shows this accurately on the monthly mortgage statement but, they are showing it inaccurately on their pay off statement. Under the new refinance program I am trying to refinance through, XXXX, it does not allow for any lender paid expenses to be paid, only principal amounts owed. Nationstar is unwilling to correct my pay off to reflect accurately and therefore I am not able to refinance with the new lender under the XXXX program. Nationstar is causing me harm with their servicing of my loan at this time. Need help getting this corrected.
Consumer complaint received 2019-01-29
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: LOBEL FINANCIAL CORPORATION (NV)

I wrote the company XX/XX/XXXX and it was received XX/XX/XXXX ( per company. ) The written notice to the company was an unauthorized credit inquiry which had my name and address along with my signature. I provided the information on my first original notice. However they responded back with request of the same information that was already stated in the first written notice.
Consumer complaint received 2017-07-29
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. (GA)

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

In XX/XX/XXXX NAVIENT notified me by letter that they were increasing my monthly payment of {$180.00} by {$71.00} - to be effective with my XX/XX/XXXX payment. No explanation for the change to my repayment plan was provided in the letter. I have made all the monthly payments on time since XX/XX/XXXX and have never been notified by NAVIENT that I was delinquent on any monthly payment prior to XX/XX/XXXX or that I owed any late fees. I called the company for an explanation and a written accounting of why they are attempting to collect an amount in excess of the original repayment amount listed in the promissory note, but they offered no further details about why the change was being sought. Therefore, I continue to pay the original amount ( {$180.00} ) and have not paid the increased amount. However, since then I continue to receive letters and calls from NAVIENT informing me that I am now delinquent on my loan. 

The terms of the loan are clearly listed in the original promissory note which I attached with my submission : {$15000.00} borrowed at 8.5 % interest to be repaid over 10 yrs ; 120 payments at {$180.00} with the first payment due in XX/XX/XXXX and the final payment due in XX/XX/XXXX ). The increased payment of {$260.00} demanded by NAVIENT is effectively a change in the original loan terms as documented in the promissory note and amounts to an overcharge of {$1000.00} on the loan.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Issue : Student loans by Dep of Ed/  XXXX   (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  XXXX .
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My name is  XXXX   XXXX  an d BSI Financial ha s been my loan servicers since  XXXX   2016,   and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very stressful and nerve wracking. Since last year we 've requested loan modification from BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only wishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.