davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (OR)

I made a payment online to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and email that my payment had been made. I few days later I noticed that the funds had not been deducted from my bank account so on XXXX/XXXX/16 I called Plaza Home Mortgage and was told there had been computer problems on XXXX/XXXX/16 and XXXX/XXXX/16.. I was told by the customer service rep that they would take care of the issue, confirm the payment, date it to XXXX/XXXX/16 and there would be no late fee. I watch my account for the next few days and saw it still had not been deducted so I call Plaza Home Mortgage again on XXXX/XXXX/16. Again I was told there were computer issues on XXXX/XXXX/16 and XXXX/XXXX/16 so they will take care of it and make sure the payment is made in the next few days. Again I am assured there will be no late fees and that it will be dated on XXXX/XXXX/16. On XXXX/XXXX/16 I received a credit alert that I am delinquent on my Plaza Home Mortgage account. I called Plaza on XXXX/XXXX/16 and after speaking to XXXX different customer service reps I was told that I needed to write a letter to dispute the delinquency. They then said that the payment I made on XXXX/XXXX/16 had been cancelled which is why the funds were never deducted. I tried to logically argue with the customer service rep that why would I make a payment only to cancel it the next day and then call three times wondering why the payment had not posted. I have a confirmation number from the payment on XXXX/XXXX/16. I have a confirmation email. I have no email confirming that I cancelled the payment. XXXX different customer service reps confirmed there were computer problems on XXXX/XXXX/16 and XXXX/XXXX/16 and that payments were affected. I finally asked the customer service rep to please just take make payment over the phone and she graciously said she would n't charge me an {$11.00} fee for processing my payment over the phone. At this time I am still waiting for a resolution.
Consumer complaint received 2016-10-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KAHRS LAW OFFICES, PA (KS)

I have only information is what the original Balance is that they are charging XXXX annual interest fromXX/XX/2016 to now but wo n't turn turn calls or answer the.phone have trying to call them to pay off the debt but have to know the right amount now they are suing me I have to go to court on XX/XX/XXXX When I do call I get a voice message that the require info is full name ( I leave that ) the last XXXX of my ssn ( I leave the account number XXXX am paying off the debt or trying to ) place of employment ( I do n't think they need this info if I am paying off the debt ) phone number ( which I give plus the best time to get XXXX of me ) they say if the require info is n't left that the call will be put on the bottom of the her list to callback. I have tried to call at XXXX XXXX XXXX XXXX and several other differs times with no XXXX answering. This time I left a message to email me how much I owe they keep saying that they turn calls XXXX hours later
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (PA)

This complaint to FACTUAL DATA for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (GA)

Last ReportedXXXX XXXX, 2015Collection AgencyXXXXOriginal CreditorXXXX XXXX XXXX XXXX CHECKINGStatusOpenOpened DateXXXX XXXX, 2015Closed Date -- ResponsibilityIndividualBalance $ XXXX Balance $ XXXX for collection
Consumer complaint received 2023-09-06
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. (TN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has allowed suspicious activity take place with my account on numerous occasions and I do not understand why. XX/XX/2016, I first noticed that a new account was created in addition to the account that I already had. I have closed that new account and notified the credit unions. Since XX/XX/XXXX, I have been attacked again in XX/XX/XXXX and now again XX/XX/2016. BOA has allowed transactions to be processed from my checking account without the access of a Debit card from different towns and cities I do not usually travel to ; also while waiting on my fraudulent activity claim to finish being processed, another transaction was able to go through now with NO active Debit card.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Hello, I 've now been out of Navient 's autopay system for two months. The reason I declined autopay was because, all my loans were lumped into one payment. I wanted individual loans so I could pay more than my minimum payment each month on certain loans. So after being harassed by Navient for wanting to change my loans ( all within my rights ), this was finally done back in XXXX. Furthermore, after I made my XXXX payment, 3 days in advance of due date. The first issue, after the payment was removed from my bank account and cleared. Navient had my account showing past due, I was receiving emails and messages related to my account being past due on the due date. All this was happening, while my bank account was already debited for my student loan account. After calling Navient, they removed the past due and apologized. Now we are in XXXX and I paid my bill 2 days before due date. The payment has now cleared my bank, however, now my Navient account is showing past due. How is this fair and legal? 

I have paid my bill on time and the money has been cleared from my bank account. However, navient has the criminal negligence to put my account past due. This is absurd. Additionally, I try to call and there is a 30 min wait time. I believe Navient is mad that I took my account out of Auto-pay and requested my loans not be grouped together, so I can pay off my loans faster. Please look into this matter. 

Thank you.
Consumer complaint received 2016-11-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

It takes AES 1-2 months to set up autopay. It 's 2016! I paid off my XXXX XXXX XXXX online. XXXX and XXXX direct debit my payments on time. It 's easy and quick to set up direct debit at these other loan servicing companies. This company uses out-of-date technology and does not care about its customers.
Consumer complaint received 2016-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (FL)

I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the United States Department of Education recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the Department of Education. However, the greed that exist within the debt collection community caught up with XXXX, and many others when the United States Department of Education suspended contracts for deceptive and illegal collection practices. A company known as XXXX claims that I owe a balance in excess of {$5000.00} in student loans. Even though I never took part in any procurement of a debt from XXXX, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for XXXX or its successor the Pennsylvania Higher Education Assistance Agency. So it looks like my credit will be dinged and damaged by another collection agency that has no stake in the debt described in the XXXX XXXX, 2016 letter of debt/collection transfer. A recent federal court decision in the XXXX XXXX XXXX XXXX XXXX gives consumers the right to sue the Pennsylvania Higher Education Assistance Agency for doing damages to my credit where they have no right to do so. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. PHEAA has no right to collect just as my challenges to XXXX proved that they had no right to collect. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. PHEAA must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. PHEAA must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hi, This is XXXX XXXX. I hold my Bank of America credit card since XX/XX/XXXX. From the beginning to till XXXX XXXX, Bank of America reported wrongly my credit information to other person 's SSN. Due to this my credit score is heavily affected and I am in big loss.
Consumer complaint received 2015-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

This is a totally unacceptable response to an issue I have been working on resolving with AES for 6 months. This company should be investigated by not only the justice department but the entire student loan program should endure congressional investigation. 

ResponseThe response to your Consumer Financial Protection Bureau inquiry from American Education Services/Pennsylvania Higher Education Assistance Agency ( AES/PHEAA ) is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly.
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (PA)

I am about to XXXX. My federal loans have all been placed in deferment because of my national service. However, Navient, which is servicing XXXX private student loans, is refusing to give me any accommodation. They claim to have some form of special treatment for those serving in the Armed Forces, but not for XXXX XXXX service. Navient also claims that I " used up '' most of my contractual " forbearance '' from when I did two years of service in an XXXX XXXX program in a XXXX public school. That " forbearance '' was a dubious benefit ; while I did n't have to make monthly payments, the loans ( at rates as high as 12 % ) racked up so much interest that I essentially will be paying for years for my service in XXXX. I believe this is outrageous treatment of someone who is doing national service and wonder why Navient -- who, I understand, is making lots of money servicing federal loans -- is not compelled to respect and support national service in its servicing of private student loans. I have approximately {$330.00} in monthly obligations on my Navient loans. What am I supposed to do? In XXXX and XXXX XXXX, the commitment you make is to live at the poverty level, at equivalent income levels to the people being served. It is simply not possible to live in poverty and keep up with Navient 's demands. This whole miserable situation with Navient has its roots in the deceptive marketing of private student loans. I was XXXX years old and they made a point of making it sound so simple and indistinguishable from my federal loans. Please note that I am scheduled to depart for my XXXX XXXX service on XXXX XXXX, 2016.
Consumer complaint received 2015-10-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

My husband and I applied for a loan modification XX/XX/XXXX. The modification was unreasonably delayed without cause. It was not until I involved the CFPB that the modification finally went through XX/XX/XXXX. XX/XX/XXXX, I received a letter from my lender, Chase Bank regarding my modified home mortage loan # XXXX informing me that following my modification issued on XX/XX/XXXX, they had OVERCHARGED interest at the inception of the loan in the amount of {$1500.00}. The letter went on to explain that Chase unilaterally decided to apply this overpayment to the principal and that they will report this amount as reimbursed interest ( i.e. as INCOME XXXX in XXXX XXXX of my XX/XX/XXXX IRS Form XXXX. I have written them multiple times to object to this. I would like to have the money refunded so that I have money available to pay the TAXES NOW DUE on this " reimbursement ''. XX/XX/XXXX, my total income was {$49.00} and I owed ZERO dollars in Federal Income tax. Their failure to properly calculate the interest due on my modification will result in additional tax to me XX/XX/XXXX in the amount of approximately {$540.00}. XX/XX/XXXX, my income tax rate will be at 35 %. But I do not have the MONEY to pay the increased taxes that will be due on this alleged " income '' because they have unilaterally decided not to refund the overpayment and instead apply it to the principal balance. 
So XX/XX/XXXX, they overcharged me interest in the amount of {$1500.00}. I could have really USED that extra cash XX/XX/XXXX when my income was so low. NOW, three years later they " discover '' the error and instead of refunding the overpayment to me, they use the money to benefit THEIR portfolio. That cash has been available for THEIR use for 3 years already, and now they get it to do what THEY want to do with it. I need this money to PAY THE TAXES NOW DUE on it. Taxes that would NEVER have been due had they properly calculate my loan interest XX/XX/XXXX when the modification went through. I did not NEED the mortgage interest deduction XX/XX/XXXX, so there was no corresponding benefit of a deduction on my XX/XX/XXXX return. 
I have TWICE requested in writing that Chase refund the overpaid interest so that I have dollars available to pay the taxes due on the money. These letters resulted in over a dozen phone calls and " status '' letters between Chase and I. I spoke with several representatives at Chase and have those names and phone numbers available if needed, along with notes from the phone calls. ( Note the status letters provided ZERO information and just said they were still working on my request ). This money was NEVER OWED to Chase and is NOT OWED NOW. It was an OVERCHARGE and the money should have been refunded. They demanded payment of money that was not due and have refused to refund it despite my multiple requests. I have attached copies of the substantive correspondence between Chase Bank and I, in which Chase refused to refund the overpayment.
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Recovery Group (GA)

The company had what they called " locators '' call me non stop, these people demanded personal information such as address. They told me that if I did not call a certain number, they would be coming to my house to serve me papers. I called the number and they said there company was called Global. They told me that if I did n't set up payment plans, they would not call off the locators and they would come to my home and serve my with legal papers that day. I was scared into setting up a payment arrangement. I lost my debit card, so when they went to process the second debit, it failed. I just received repeated calls from a number of only '' XXXX '' the voicemail left was threatening in nature..they said I only had hours to correct the error. They then said that if I did n't fix this, The exact words were " Good Luck '' They have called my job, and harassed my boss over this XXXX. This ca n't be legal!
Consumer complaint received 2024-10-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/XXXX, I set up a one time payment for the amount of my monthly minimum payment for my Lowe 's Synchrony card. There was a check box to set up auto-pay at the same time, which I checked. At no point during the transaction was it made clear that this would initiate a second payment for the same amount and date as the payment I was making. I found out that Synchrony initiated a duplicate payment when I received a letter advising of a returned payment and logged in to review my account. I would not have authorized a duplicate payment if the situation were disclosed in plain language. I have tried to resolve this by reaching out via account chat, but the agent I spoke with did not help at all. They refused to remove the fee caused by a deceptive business practice, they refused to escalate my issue to a supervisor, and it became clear through the chat log that they weren't even looking at the correct dates on my account for most of our conversation. I want the {$30.00} fee reversed because it was based on a deceptive business practice that would not have been clear to a reasonable person, and is an unfair and abusive action.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$200.00}
Consumer complaint received 2016-12-31
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XX/XX/XXXX my husband and I came up short on a few mortgage payments, he is in XXXX and was XXXX which was between {$XXXX} and {$XXXX} a month. We decided to start a request for a loan modification through XXXX and were told to stop our payments all together from a XXXX representative and the loan mod would put those payments at the end of our loan when it was rewritten. So we stopped payments, we filed the paperwork for the loan modification XX/XX/XXXX, ever time the package was submitted XXXX would need another document or they would claim to be missing something we had already sent 3-4 times. Finally they had all of our information and documents and said they would have an answer soon. Within the week XXXX said they were no longer in control of our loan that we were now with Nation Star Bank. We had the same issues with Nation Star Bank, we would call and would be on hold for 45 mins or more with now answer or would be hung up on, they would need more information or not receive documents we had sent many times. Finally on XX/XX/XXXX we had an approved loan modification but the modification does not help our situation they are requesting us to pay double paymets for 12 months to get " caught up '' they requested us to accept the offer by XX/XX/XXXX. We sent the accepted offer in to them on XX/XX/XXXX we had to contact them to make sure it was received they made no attempt to contact us, on XX/XX/XXXX my husband called and they again claimed to be missing documents so close to the due date. Today we signed another acceptance and sent it to Nation Star via email and they were already closed when we tried to call to confirm it was received. Again so close to the due date, it really feels like Nation Star and XXXX are trying to make a 22 year XXXX family homeless.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>