davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Professional Recovery Management (TN)

This is a medical bill that is showing up in collections as an open account on my credit report. I filed Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This medical bill was put under the Chapter XXXX Bankruptcy and should not be on my credit report.
Consumer complaint received 2015-05-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I studied at XXXX, FL XXXX XXXX for XXXX XXXX XXXX Degree. My private loans through XXXX trying to force me to make a XXXX time payment of {$78000.00} and they would wipe out the interest of {$35000.00}. or the other option was to make a XXXX time payment of {$62000.00} or XXXX months payments of {$10000.00}. I asked the women that was on the phone time after time that there has to be other payment plans that are lower and would work for me but she stated that those XXXX options were all that they have to offer. 

My Grandmother also took out a private loan to help me finish my schooling and XXXX XXXX they had her got a loan through XXXX totaling at the moment {$18000.00} and is trying to force my grandmother whom lives in a home to pay the total in XXXX lump sum, instead of working with me so that I can pay it off for her in small amounts.
Consumer complaint received 2015-05-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

As a former college student, I have a few private loans with Navient ( formally known as XXXX XXXX ). I have experienced nothing but frustration when it comes to attempting to negotiate payment plans. Because the loans are private, I have few to none available options. I was recently linked with Navient 's Customer Advocate Department after a previous complaint with CFPB in XXXX, and I have still gotten nowhere. I have talked to numerous representatives that have not " advocated '' for me in any shape or form. Most recently, I have been waiting since XXXX to find out if I was eligible for a Loan Modification Program, and was recently informed by a loan officer while trying to purchase a home, that my loans currently reflect that I am to pay $ 600/a month, which I was informed is because I have a late payment. I was continuously told by Navient representatives that if the Customer Advocate Department is working on my loans, then they will not be late. Obviously not true. This process has been nothing but frustrating and as a hardworking woman, I have struggled with being able to make payments that are expected. I have consistently made payments, when I was able to pay what was expected, every month, on time, even paying a lump sump payment towards XXXX loan. Navient has made me question being a XXXX, especially considering that my income is not sufficient to pay what is expected. Speaking to Navient representatives to like speaking to someone who speaks a foreign language and has no clue of what I am talking about. This has by far been the most frustrating process, and I have yet to get anywhere after writing complaints, speaking with multiple representatives, and even supervisors. What 's most frustrating, is that the reason I pursued a degree was to be able to provide a better life for myself, and at this point I am XXXX guessing my decision. I would be so appreciative if I could be granted some assistance with this matter.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

A foreclosure sale is set for this week. I have been awarded the family dominical that I live in and I have the Divorce Decree which states that. The bank will not cooperate in processing a transfer despite me forwarding all the proper documentation and applications correctly. The bank will not discuss the case with me. The bank has sent my mortgage to other banks during the process and has made it very difficult for me to fund an Attorney to organize release paperwork. I have XXXX Children and I rent an apartment to my elderly mother. All I want is to continue to be a good farther and son, maintain the family home properly, and pay the mortgage. My name is XXXX XXXX, the address is XXXX XXXX XXXX, XXXX, MA XXXX, phone XXXX. Loan is # XXXX with IndyMac Bank, XXXX Bank, XXXX Bank. All I want to do is pay the mortgage payments in my name and I have never been allowed to do so. I am a good farther and provide for my children daily and at the ages XXXX, XXXX and XXXX just getting over divorce. Loosing the stability of their childhood home could be threatening to their future. Also, displacing the my elderly mother a wonderful tennant.
Consumer complaint received 2016-06-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XXXX, 2016 I was made aware of my redemption rights and moved forward with selling my property at XXXX XXXX XXXX XXXX. XXXX KS XXXX. 

XXXX, 2016 I arrived at my property and discovered someone had mowed the property, changed the locks, pad locked the garage door and fence gates and removed all of my personal items. At that point i contacted Bank of America and was transferred multiple times with no resolution. 

XXXX XXXX, 2016 I entered into a binding contract to sell my home and closing was scheduled for XXXX XXXX, 2016. 

XXXX XXXX, 2016 I researched Bank of America and emailed XXXX XXXX, Chief Administrative Officer. XXXX then passed me along to XXXX XXXX, SR VP Enterprise Customer Care Resolution. He called me the same day and I made him aware of my situation. XXXX and I began communicating through email after the initial call I received from him. He made a few phone calls and I received an email from him that day with what was supposed to be the lock-box code which was incorrect. The following day I received an apology from him and was given the correct code. 

XXXX XXXX, 2016 I sent XXXX XXXX an email stating i was able to get into my home and thanked him for his help I also asked him to confirm that I will NOT be charged anything done to the property as of XXXX XXXX ( locks, mowing, maintenance etc. ) XXXX XXXX, 2016 XXXX responded CORRECT. I have all of the emails saved as well if you need that documentation i would be glad to send it. 

XXXX XXXX, 2016 I went to my property to do some final maintenance and move the rest of my items out. When i arrived once again my house was locked up and my personal items were gone. I immediately emailed XXXX XXXX and called XXXX XXXX ( BOA Attorney at XXXX & XXXX ). XXXX answered the phone and I informed him of my situation and my frustration. He told me he would contact his client and I would hear from someone the following Monday so i could get my items back. 

As of this moment i have not heard a word anyone. 

The other issue i have is that XXXX XXXX Attorney for BOA emailed me the redemption quote on XXXX XXXX, 2016. We closed on my home the morning of Friday, XXXX XXXX, 2016. At XXXX that same day I received an " updated '' redemption quote with added charges by BOA. 

Contacts : XXXX XXXX, SR VP Enterprise Customer Care Resolution BOA XXXX XXXX XXXX, Attorney XXXX & XXXX XXXX
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY ASSOCIATES XXXX XX/XX/2012 I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

This debt does not belong to me. I do not have an XXXX account. My business did business with XXXX for 15 years. I hade a dispute for Long-distance charges that were charged to our account in error, XXXX made a connection error on a remote-call-forward causing a {$.00} charge for every call placed to the remote call forward connection. The service was there specifically to avoid these charges. They made an error in it 's set up and the XXXX people that were in charge of billing did not understand the technical error the installation people had made. Due to the confused people I spoke with I was left with disputing the error over and over again. Now again, ENOUGH!!!
Consumer complaint received 2016-02-24
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (KS)

I transferred money from my card to a bank account. The same night i was charged again. I spoke to customer service three times and was told to wait 24 hours. Which i did. I was then hung up on when i called again and asked for the eztra charge to be reversed and my money put back on my card.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had a Capital One Credit card that was legally settled on XXXX/XXXX/2015 but is still being reported by Capital One to the XXXX national credit reporting agencies, XXXX, XXXX & XXXX. This account was placed with the XXXX XXXX XXXX, attorney firm, and was subsequently settled with the law firm. I have disputed this error both with the XXXX credit reporting agencies and with directly with Capital One, per the FCRA, but Capital One has arrogantly refused to correct their erroneous reporting. I have attached the settlement offer letter from XXXX XXXX and proof of payment, both of which were furnished to Capital One in my dispute with them.
Consumer complaint received 2016-05-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX/XXXX/2016, I called my bank, USAA ( XXXX ) to initiate a stop payment on an {$800.00} check for the reason that I had already made the payment over the phone which was significantly less than expected. The check was to be sent by USAA to a credit union ( XXXX XXXX XXXX XXXX ). According the USAA representative, the stop payment was initiated successfully. 
However, on XXXX/XXXX/2016, while looking at my account, the check in which the supposed stop payment was successfully initiated had indeed gone through anyway for the {$800.00}. This caused my account to go into the negative, and initiated an automatic {$400.00} cash advance from my credit card in order to cover the cost. I then called USAA to ascertain why the check had gone through even though a stop payment was initiated. I was told that the representative I had spoken to on XXXX/XXXX/2016 made an annotation on my account in regards to the stop payment but did not actually initiated it as requested. The representative then kept apologizing but told me that there was nothing they could do as the check had already cleared. So here I am left with a negative account balance and a cash advance on my credit card which could involve substantial fees and the only recourse I receive from a bank in which I 've been a member for almost XXXX years was simple apology for their mistake.
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc. (SC)

Received a call from Credit Management LP stating that a letter was sent to me to collect on a debt XXXX. I explained that the account was opened fraudulently. I investigated the bill further and became aware that the bill was created at another address in which I do n't reside and was connected to a number XXXX that does n't belong to me. They may have skiptrace to get my number to start harassing me about the debt and claiming they spoke to me when in fact they did n't. I informed the rep that called to not put this on my credit report and that the conversation being recorded states such and that I will take action against them for any damages that occur from this said debt. I will need a copy of a signed contract agreeing to ownership and responsibility to pay this debt. Without proper validation of this debt the reporting and collection tactics are a violation of the FCRA and the FDCPA.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (LA)

In XX/XX/XXXX I found a charge on my credit card that could not have been mine ( to XXXX XXXX ) but there was a credit to go along with the charge a week or so later so I thought it was a billing error and dismissed it. On XXXX XXXX, 2016 I saw a charge for {$130.00} to XXXX XXXX in XXXX ( I live in XXXX and have not been to XXXX since XX/XX/XXXX ). I called the number to XXXX and the recording said if I had a billing issue to send an email with my personal information and last XXXX digits of my credit card number. I decided to call the credit card company ( Citibank ) and have them remove the charge from what seemed like a bogus company. They said I needed to submit a dispute online, so I did and they issued a conditional credit for the {$130.00}. Over the next day or so I started thinking about it and realized that someone had my card and the representative at Citi did n't shut my card off. I called back and asked if they were sending me a new card and they said they could if I wanted them to but they do n't do that without request. I explained that my card was used on the other side of the United States for chicken and waffles, since I did not make this purchase someone has my card number I want it cancelled. They seemed surprised by this but sent out another card. On XXXX XXXX I received a response from Citbank with a copy of chargeback evidence from XXXX saying that a XXXX XXXX with an address in XXXX and an email address of XXXXXXXXXXXX ( not even close to my email or address ) ordered this and paid with my credit card number ( no signature, no actual card ) and I am responsible for this charge. I am livid at the customer service from this credit card company. I had to call them to dispute it again, sign a form and mail it ( using my stamp ) but they still have the charge on my card. I received a response yesterday saying that they have sent my response to XXXX and they will get back to me by XX/XX/XXXX!! My bill is due in XX/XX/XXXX, I will not pay for a stolen credit card charge when I alerted them the day of the charge. This is a platinum card that is supposed to have protection on it but it has n't protected me at all. I want the {$130.00} taken off of my card without me having to jump through hoops. This is the most ridiculous thing I have ever heard of and I will not pay this nor will I pay for any interest charges that occur due to this bogus charge.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC. (AL)

AFNI Inc. Reported a debt they state I owe to XXXX on my credit and on my fathers credit. 

My father ajd I filed a complaint with the state AG office and in turn XXXX contacted us and we were told by a XXXX representative that neither he nor I owe the debt that AFNi is collecting and that they have no record of a debt in my name or my fathers being sent to AFNI. I filed Bankruptcy in XX/XX/2016 and a debt from XXXX was included in the bankruptcy. Oddly enough AFNI reported this on my credit after i had filed. They also violated my automatic stay by contacting me by mail after i had filed. 
We belive this debt to be fraudulent. As XXXX has no record of it.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

Citimortgage increased my mortgage payment by {$210.00} per MONTH which Citimortgage stated started XXXX XXXX, XXXX. I did NOT receive any notification from Citimortgage that my mortgage had increased by {$210.00} per month. My XXXX and XXXX payments were made through my bank. My payments were sent and received by Citimortgage ONTIME, but as Citimortgage is legally allowed to do Citimortgage did NOT apply the payments, but declared me in default of my mortgage. 

Normally Citimortgage notifies me two full months in advance with a legal sized colorful form explaining any increase or decrease. The first I learned of the increase was when I received my credit report, and noticed that a Lien was placed on my property for {$220.00}. I called Citimortgage to see if they had placed the lien. Citimortgage said they had not, but informed me that my payment was late. I was shocked as all my payments are scheduled by me to be paid directly to CitiMortgage from my checking account, and the money had already been taken from my checking account. 

I was further informed by Citimortgage that the outrageous increase was because both my property taxes and my house insurance had increased. I called the XXXX XXXX XXXX office and was informed that my XXXX taxes for the year was XXXX, and that my XXXX taxes for the year was REDUCED to XXXX. This is a decrease of {$5.00}. I called XXXX. I was informed that my house insurance for XXXX was XXXX. As of XXXX XXXX there was an increase XXXX, a difference of XXXX, per yr or XXXX a month, NOT {$210.00} per month. 

Citimortgage sent me a refund of over {$500.00} about three years ago. I thought there was a law against banks OVERCHARGING customers and then sending a large refund. This was an interest free loan. Citimortgage has never given me anything free. To date Citimortgage has NOT sent me a formal written explanation for the MONTHLY increase. This is a scam. Please help me resolve this with Citimortgage. 

My mailing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX was notified the end of XXXX or the beginning of XXXX. I was NEVER lost from Citimortgage. I have called Citimortgage three times concerning this. The Home is located in Ga, XXXX XXXX XXXX, XXXX. The loan number is XXXX. I am a XXXX yearly female Veteran. 
Thank you for helping meSincerely, XXXX XXXX
Consumer complaint received 2016-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (PA)

I have three promotional offer accounts with Syncrony Bank. All of these accounts provide a minimum monthly payment. I recently discovered that my hh gregg account through Syncrony Bank has been providing me with a monthly minimum amount which did not provide me with a monthly minimum amount to meet the promotional offering of zero percent interest and are now charging me 30 percent interest retroactively which is almost the amount of the original purchase amount. Since my other promotional accounts with Syncrony always provided a minimum monthly amount to avoid hefty interest charges, for some reason Syncrony provided me with a lower amount for this hh gregg account so that I would miss the promotional deadline so they could charge me an enormous amount of interest. I have tried to work this out with them but they refuse to acknowledge any responsibility of their part.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I called the general customer line. Stated that I wanted to cancel my credit card account. Was transferred to another person ( XXXX ) whose job is presumably to talk customers out of cancelling their accounts. Started off nice enough. She asked why I was cancelling my account. I replied that I did n't need the credit card anymore. She asked a few more probing questions before I finally told her that I simply wanted to cancel the card, my mind was made up, and that there was no way she was going to convince me otherwise. Her big " selling point '' was that closing my credit would negatively affect my credit score. She explicitly threatened that closing this credit card could prevent me from qualifying for a home mortgage loan or a car loan. I explained to her that I am attorney, I work for a bank, and that I understand how closing a credit card affects a consumer 's credit. She also explicitly stated that USAA was " looking out for [ my ] best interests. '' This is patently false. USAA makes money by keeping credit card accounts open. Still, for another XXXX minutes she refused to close my account. I asked to speak to her manager. She refused. I asked for her employee number. She refused. After another few minutes she finally relented and closed my account. The entire call took XXXX minutes. Should n't have taken more than XXXX. This whole exhange was expecially disapplointing because I have been a USAA member for nearly 15 years & have generally had positive experiences.
Consumer complaint received 2015-08-19
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery Associates, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA XXXX ( XXXX ) XXXX continues to call me for some unknown reason looking for XXXX XXXX although I 've told them a XXXX times I do n't know any XXXX XXXX and I 've asked them to stop calling me - Best I can tell their running some kind of illegal operation and may be involved in some other type of federal crime and should be investigated to the fullest extent of the law - The number their calling me from now is XXXX XXXX XXXX and their a lying XXXX if their feed you any more XXXX about not contacting this number.