davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have on multiple occasions between XXXX of XXXX and as recently as XXXX of XXXX attempted to enroll my loans into an income-based repayment plan. My paperwork has been " lost '' every single time. During my last attempt, I had to point out the math errors that the Navient employee was making when reading my pay stub. I finally just gave up on trying to solve the problem. That 's when I began getting emails that allowed me to take short term forbearances by just replying " Yes '' to a Navient employee 's message. Those began on XXXX/XXXX/XXXX. They ca n't be bothered to do the paperwork to get me into a payment plan that would allow me to make payments and eventually pay down and potentially have my loans forgiven ( I work for a nonprofit ), but increasing my loan amount with accruing interest is as easy as typing " yes '' in an email reply. This is not just incompetence. This is intentional.
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (NC)

Hello - During the last few years we have had multiple medical bills that have went into collection after my husbands XXXX XXXX. We in good faith paid some to the collection agency so that it would not be reported. We paid {$290.00} in XX/XX/XXXX to prevent any reporting to my husbands credit report.
They took the money and misrepresented how the money would be used to pay off the debt.
They did not use the money to pay the oldest debt of {$130.00} from XX/XX/XXXX and that amount went into collection. They divided the money up between several accounts and only put {$5.00} towards the oldest balance of {$130.00} which left {$120.00} that ended up getting reported in XX/XX/XXXX. We received NO notification that it was reported. When we ask why the money we paid did not go to the oldest debt, they did not have an answer. I was however told that how that they distributed between multiple accounts and paid the the newest ones because they make more money off of newer " not stale '' debt. I am outraged and deeply bothered by this. On top of that we have paid the hospital directly and they NO ONE did any verification to confirm the amounts are valid and have not already been settled directly with the hospital. I have disputed verbally the validity of any debt owed to this company.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

Mtg servicing was transferred from XXXX to XXXX XXXX XXXX. The new company charges a fee to make an online payment via ACH. This is completely unacceptable. The new servicer also is not setup for ACH with large banks like XXXX. Both of the 2 ways I pay all my other mtg servicers this one does not allow. 
Better oversight is needed with servicers since I have no say in when or how many times my loan is transferred to stop the hassle with these transfers and to require I have a way to pay without a fee. 

Charging to pay via a bank account on the servicers website should be illegal. How is it remotely acceptable to charge to make a mortgage payment? 

Please work with this servicer to change this policy so I can make my payment.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I received a credit card offer from CapitalOne for the XXXX card. While there was no reference to " prescreen '' or " prequalification '' the mailing states that the " card is for people with excellent credit '' and provides a website " XXXX '' where I can apply with a seemingly indiviualized reservation number and access code. There was no opt-out notice included in the mailing. Additionally, when I called the number, I pressed the option to opt-out of future communication and the line died after several seconds.
Consumer complaint received 2017-09-10
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: Convergent Resources, Inc. (FL)

XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX UNAWARE OF THE TWO ACCOUNTS. SEEMS FISHY TO ME AND I HAVE NO CLUE WHERE THEY CAME FROM. IF I FIND OUT THAT YOU CREDITORS ARE PURCHASING INFORMATION, PLACING UNVERIFYABLE ACCOUNTS ON MY CREDIT FILE I WILL BE CONTACTING THE FTC, BBB, the county courthouse to file a lawsuit against you creditors asap. You 've broken several laws within THE FCRA. I would like to see the verification process that you the creditor and credit bureau supposedly did. Please remove these accounts before I take legal actions because I know my XXXX rights as an American Citizen.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I continue to seek an equitable solution from my lender, BNY Mellon to resume making mortgage payments. The  California Homeowner Bill of Rights states that a homeowner has the right to know who their lender is, and be able to make contact. The recorded message at XXXX XXXX XXXX states : " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all declsions concerning the terms of your loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have no done so already. If you are in contact with your servicer, please continue to seek guidance from them ... '' The servicer of my loan, XXXXXXXX XXXX XXXXXXXX, continues to say that BNY Mellon makes all the decisions. In XXXX 's literature under the title of " Need Mortgage Help, '' it states, " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. forbearance, 4. loan modification, among other  options. A recent conversation I had with them revealed that they do not offer any of these options except for a modification or short sale. The modification available reduces the payments by a few XXXX dollars. 
Given this, I retained the services of XXXX XXXX, partner at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... .the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX XXXX XXXX XXXX Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The BNY has never responded to XXXX XXXX or to me. XXXX did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modification thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. CFPB does not determine payment programs.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My personal financial information was compromised as a result of the recent Equifax data breach. 

Equifax 's public response and offer of remediation is wholly insufficient. Given that my SSN was stolen, a number that will stay with me my entire life, a year of free credit monitoring is not enough.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (CT)

An item has been in dispute with Suntrust for quite sometime now, XXXX from XXXX onXX/XX/XXXX, it is now XXXX, over 90 calendar days since dispute filed. Dispute reps initially claimed they did not receive required information in time, they needed to know what missing item is, which was already included in claim and shows it in online banking under support, claim number XXXX. XXXX, claim rep, sent me a letter requesting this information as well, I left several messages for him, none were returned. A temporary credit was issued on XX/XX/XXXX after complaints were filed in regard to claim status/temporary credit. Suntrust seems to drag its feet when it comes to claims and their resolutions. An overdraft fee was charged for the XXXX item on XX/XX/XXXX in the amount of XXXX, I was told by several claim reps this will be credited back when claim is resolved. Claim is still awaiting resolution, has been on going for several months now and should be resolved as well as credit of overdraft fee. The package from XXXX arrived with item missing from it, XXXX will not honor claim and XXXX refuses to cooperate in resolution. Please DO NOT mark this complaint as duplicate, there is additional information contained
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed and tried to validate this debt with XXXX XXXX several times. The information continues to return as verified with the credit reporting agencies. XXXX has sent a package of phone bills, but they have not sent any validating information of the account balance, date of last payment, and close date. They are reporting to Transunion that the close date is XX/XX/XXXX, however they state that the date of last payment is XX/XX/XXXX, no other payment history. I have asked XXXX to validate this debt, however they were only able to provide me with some billing statement. I believe this account is reporting inaccurate.
Consumer complaint received 2017-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, XXXX, I applied for an auto loan with Wells Fargo. Knowing how bad their reputation has been in the past for lying to consumers and giving false information, I decided to give them a try anyway. Yesterday, XXXX XXXX, I received a letter with the date XXXX/XXXX/XXXX that CLEARLY states that I was APPROVED in BOLD CAPITAL LETTERS and my loan was still open. It also states Wells Fargo would be happy to service my needs when I decided to move forward with the process. I called in, the first rep XXXX, extremely rude, advised that although he saw my application, it was still " under review ". I asked why did I receive a letter, in which he replied, oh, it must 've been a mistake ... .with my name and address that just so happened to come right when I applied. Ok. The next day, I called to speak with another rep, who then informed me I was declined. I advised him of my letter that clearly states I was approved, and he replied it was a marketing tactic. So Wells Fargo is yet again LYING to gain clientele, having people run their credit multiple times, calling in several times, sending out FALSE AND PREDATORY information yet again. Wow. Have n't you guys learned your lesson yet?
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Equifax Has been Hacked 143 million, They finely gave a news cast They are not concerned enough about me or any of there customer to contact them personally.
I contacted Equifax.
Equifax finely said Thursday, hackers STOLD, sensitive personal data, Social Security numbers, birth dates and home addresses.
Equifax said the breach began in XX/XX/XXXXand continued until it discovered in late XX/XX/XXXX.
Poss ably my Social Security numbers and birth date and other information about me, is in the hand of thieves ...
Equifax also lost control of drivers licenses, credit card numbers and credit dispute documents for 182,000 people.
What little information I have got is not enough ...
I need answers, Not token responses to this problem.
At there web sight, no help They said check back on a certain date.
I have to do the work they are lackadaisical.
Consumer complaint received 2017-09-10
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a Kohl 's Department store credit card. I made a purchase on the card on XXXX XXXX, XXXX for {$13.00}. I usually pay this off in store as soon as I make the purchase with my Kohl 's card but was in a rush and could not do so. 
Three months later, in XXXX XXXX, I received a bill from collections that I owed Kohl 's {$32.00} ; I immediately paid the bill and was very confused because I had never received a bill in the mail. I called the company and they said I enrolled myself in paperless statements, and they had been sending me my statements via email. I advised them that I never did so, and they accused me of doing so anyway. So, I went ahead and checked my email, and the last email that I received from Kohl 's was dated XXXX XXXX, XXXX, XXXXhree years ago! I never received my bill via email. 
So today, I went online to view my online Kohl 's account and it asked me if I wanted to go paperless, and I said no, meaning that I had not opted in to Kohl 's paperless in the first place. 
The reason I am submitting this complaint is because my FICO credit score went from a XXXX to a XXXX ; almost a XXXX point decrease over a {$13.00} purchase! I was not avoiding paying this bill by any means as I could have easily paid it at anytime. I have been paying my other credit card bills on time, as well as my car payment and really value this effort to have a solid credit score. I have never paid a bill more than a day or two late, I would never let it get to three months passed due. I am very upset by this because it was such a minimal charge and caused so much damage to my credit score, and this can affect my life in a big way.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, XXXX and Experian and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX/XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Consumer complaint received 2017-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

I have called Santander on multiple occasions to attempt to pay the remaining payments on the loan : 1. I have asked for a interest rate reduction because the vehicle is a total loss and the Santander loan no longer has collateral - SANTANDER DENIED MY REQUEST TO LOWER THE INTEREST RATE 2. I have asked for a payment extension/deferment for the past due payments - SANTANDER DENIED MY REQUEST BECAUSE THERE IS NO COLLATERAL
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (TN)

Im not sure what this medical bill is for being Ive not received any mail stating I owe them XXXX,XXXX,XXXX & XXXX dollars..The opening ddats on my credit report states it was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX..I have gone thru a divorce & at those times of dates I was from homeless shelters being I had no family friends to help me ... I am trying to take care of my bills along with fixing my credit so that I can rent a place being I live in a hotel because no one will rent to me because of mostly medical bills on my credit report
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX XXXX  to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I requested my credit report from XXXX and Experian around XXXX XXXX, XXXX. In the reports from XXXX and Experian, I found several mistakes : 1, In both, there are XXXX XXXX credit cards but only XXXX is actually mine. 
2, In Experian, there are XXXX reported names but I only use XXXX name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only XXXX card associated with my social and name. Somewhat relieved, I filed XXXX disputes with XXXX and Experian in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of XXXX and Experian because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again XXXX ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have XXXX credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/XXXX provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not Experian. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because Experian/XXXX would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from Experian/XXXX.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NC)

I applied today and was denied. XX/XX/2019. And also applied for other cards like discover, XXXX XXXX XXXX. XXXX XXXX XXXX emailed me to apply again because the decision might be different and than. I need a credit card For making big purchases like clothing or shoes for my kids I am a single mother with one income and only getting child support from one of the days which is only XXXX a month. Also for emergency like medicine for them or gas. I have a job working at a XXXX XXXX XXXX and going online for schooling. So I am trying my best.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have tried to Contact Bank of America over a dozen times regarding my previous account. I never received a final bill or collection notice until they placed this on my credit report back in XXXX. I sent a check back in XXXX XXXX and paid the amount in full. I asked them to remove this from my report no response. They continue to place this on my credit report as FP ( Failed to Pay ). They will not respond via email or phone call. 
They have placed this on my account for past year and half Account Name BK OF AMER Account # XXXX Original Creditor - Company Sold - Account Type Secured Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance - {$500.00}