davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CT)

Hello, my name is XXXX XXXX. I took out a loan in XXXX of XXXX from XXXX XXXX. In XXXX I started paying it back so I can get out of it being defaulted but stopped paying about 6 months into my payments. Last years tax return ( XXXX ) I filed my taxes and was supposed to get it back but when I never received it I called their offices and was told it was used to payback my student loan ... The debt collectors had garnished my wages since XXXX of XXXX and then they took my tax return and I finished paying off the rest of that loan of XXXX something. Well I 'm sure they 're allowed to garnish my wages but take my tax return? Any help would be appreciated.
Consumer complaint received 2015-07-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I receive a request for mortgage assistance package from SLS which stands for Specialized Loans Servicing, the letter in the package stated that my mortgage was in serious default. I call SLS on XXXX XXXX advising them that my account was not only up to date but paid ahead until XX/XX/XXXX. I sent XXXX by fax # XXXX my bank statement and cancel checks verifying my position. I called XXXX back on Friday XXXX XXXX and was told that my account had been adjusted and I owed XX/XX/XXXX payment I advise them that was not correct the person said they would have XXXX call me Monday. I called SLS back on Monday XXXX XXXX at around XXXX talk with a XXXX who advise me that I had to fill out the mortgage assistance forms I told him I would not fill out those form because my account is not pass due and I am not in need of their assistance he advise me they could not correct my account without me filling out those paper I refuse. My original leader was XXXX my mortgage was sold to this SLS I have never had a problem with my account being delinquent, I need for SLS to correctly applied all of the payment that I verified by fax copies that I made to them and I need them to make sure my credit reflects that I have made the payments on time.
Consumer complaint received 2016-01-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

My mortgage is with PNC, and I attempted to log in to my account online, and after 2 password attempts, I was locked out. This is ok if there was someone available Saturdays and Sunday 's to unlock my account, so I can get my XXXX Forms for taxes, which I can not do during the week. 

This is the 3rd instance with PNC password reset failed to provide adequate support for gaining access to MY online account.
Consumer complaint received 2016-10-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

My Home Equity Line Payment increased by 3x XX/XX/2016. It is currently past due because I am not able to handle that kind of payment shock. I am almost certain that early in the life of the loan, I took advantage of an offer to convert to a fixed rate for the life of the loan to avoid this issue but I can not find proof of that at this point. I would like to work something out with Chase but they have made it impossible to communicate with them either online ( account access is blocked ) or by phone ( see below ). 
I have attempted to reach out to Chase by phone but they are unwilling to speak to me because they seem to not be able to verify/authenticate who I am because I am unable to answer XXXX random public records questions to their satisfaction. Further, they have NEVER attempted to call me to speak about the matter. I noticed on my limited profile I could access on their website that they have an outdated home phone number and email address for me. I have tried updating that information but am unable to do so because again, they can not authenticate who I am by these random questions. So, this is a vicious circle and I am getting a complete lack of help from Chase to resolve the matter.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAVALRY INVESTMENTS, LLC (NY)

XXXX BANKXXXX BANK INSTEAD OF ACTIVATING XXXX INSURANCE ACCT AS I AM XXXX AS THE INSURANCE SHOULKD BE ACTIVATING! INSTEAD THIS SOLD THE ACCT SO A COLLECTION AGENCY! 
CAVALRY ; XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2016-06-07
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (WA)

For graduation I was given a check by my grandfather for {$12000.00}. I deposited the money into my Wells Fargo savings account. Once some of the money had been released into my account I paid off the balance on my Wells Fargo credit card. Eventually the check bounce, turns out my XXXX XXXX XXXX grandfather had mistakenly only put in enough money into his account for XXXX of his graduating grandchildren. My cousin who also graduated college cashed his check first, which resulted in my check bouncing because the money had been taken out of the account. This resulted in my savings account to go negative because I used it to pay off the card with funds that had once been released ( but now taken back because of the check bouncing. Wells Fargo then locked my account even when I put in cash into my checkings account to overturn the negative balance. Between talking to personal bankers in XXXX local branches to explain the situation and talking to the fraud department on the phone to explain the situation they were unable to reverse the hold. They as a result are closing my account, giving me few days notice to pay off the card. I made multiple attempts to pay off the negative balance and the credit card after realizing the check has bounced. There has been XXXX transparency, consistency, and clarity between my personal bankers at local branches and fraud department. The local bankers do n't even know why my account is being closed due to a check bouncing due to insufficient funds. They have left me confused and with little ability to amend the situation. In fact they even cut up my debit card at the branch. I have always been on time with my credit card that I have with Wells Fargo and I have made multiple attempts to make payments on the card. I have not received a hard guarantee that my credit and credit score will not be effected by the result of this bounced check and the ridiculous near immediate closing of my accounts.
Consumer complaint received 2019-06-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. ()

To Whom It May Concern : ALL XXXX AND Navient Accounts are too old for reporting to the credit bureau 's and for collections, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from Navient, and before Navient acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX XX/XX/1980 XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX , Texas XXXX
Consumer complaint received 2020-05-25
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. (FL)

SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2016-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I called Navient in XXXX of 2016 to find out if I needed to submit additional documents for the In School deferment and I was told by the associate that everything was fine there was nothing else that I needed to do. I asked her if she was sure that there is nothing else that I need to do because I received a letter stating a payment is coming due in XXXX 2016. She said I see your letter you submitted with your graduation date listed and once your school reports that you are enrolled full time for this school year it will update the in school deferment on your account and everything will be ok. 

Well I received another letter in XXXX XXXX this time it was a statement/invoice for XXXX 2016. So I called back to find out what is going on with the in school deferment. The associate said Oh I see the problem you have used your 48 months and we can not process your in school deferment. I said what? I need to speak to a manager. I told XXXX that this does n't make any sense because it was never communicated to me by phone or in writing that I only have 48 months for a in school deferment and that I have used my 12 month forbearance. I said most degrees take longer than 2 years and I have n't used a forbearance. 

She had no response for most degrees taking longer than 2 years and she said when this loan was with XXXX XXXX you used those months. I said XXXX XXXX ... they were just in trouble for their unlawful practices and were allowed to start all over again after selling off my loan and I cant start over. I told her this is not right and it has to be against law. I asked her to walk me through where I can find the disclosure of these shoddy practices online and confirm where it is documented that this disclosure was mailed to me? She said I cant because it is not online and nothing was mailed to you or included on your statement. So then I asked her how would I know that I am not eligible for a in school deferment and who in there right mind would sign up for a two year in school deferment only when we know most degrees take longer than 2 years? She did not have a response. 

I told her I was disgusted and disappointed with XXXX XXXX and Navient for these unlawful ( and unethical ) practices and that I would be filing a claim with everyone that I can. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. I said since this does not directly affect you of course you do n't care ... because you get your paycheck from them! I also said you know this is not right she just apologized again and said she would process the monthly payment reduction request.
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MIDFIRST BANK (FL)

I recently had a flood in my home due to faulty XXXX, my laundry, bathroom, back bedroom and living room had all water damage. My insurance company quickly came provided me an estimate of damage along with a check for XXXX in turn I needed to have submitted to my mortgage company to have them endorse and return the funds. Midland Mortgage asked for the following information : Endorsed check, insurance estimate ( all pages ) and receipts of items purchased. I sent all items requested and they confirmed receipt of all documents on XXXX which was a long time since I mailed them over night on XXXX. I felt it was unsafe for me and my family to wait for the money to be dispersed by the mortgage company so I went ahead and purchased all the materials and paid to have the work done with my savings. It has been approximately 15 business days since they claim they received the documents according the to post office they received them on XXXX ( which that would be 21 business days ). I have contacted Midland Mortgage repeatedly to ensure I sent them all the correct documentation and that my claim was being processed I was advised all documents needed were received and they would begin processing it. I was first told they were working on it, I paid my mortgage payment on the XXXX of XXXX and called on the XXXX to follow up in a weeks time and they than told me that they just started working on it and it could take up to 20 business days to process. I called today 14 business days after they claim they received the paperwork and was told I would have to wait at least another 7-10 business days for processing than at that time a decision would be made. I do n't understand what decision has to be made? My mortgage payments are up to date, the damage has been fixed all of it, my insurance company worked quickly and provided me the monies to avoid a mold issue, luckily I had the savings to cover the cost if not my family and I would be living in a house that would be prone to mold. Midland mortgage should not have the right to hold the money that is rightfully mine as I pay for my insurance as I am not behind in any of my payments, especially if the work is already completed.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My account was closed with no warning or communication. My account had suspected fraud due to some suspicious transactions and Bank of America closed it with no correspondence. I have n't been able to open a checking account since and do not want to wait 5 years to open another one.
Consumer complaint received 2016-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I was unable to pay my loan due to unemployment and then being XXXX. I am now a XXXX and struggle to pay off my loan with Navient ( XXXX XXXX ) which has ballooned from a {$52.00}, XXXX loan to {$120.00}, XXXX. I do not know how I will pay off this loan in my lifetime and they will not agree to a reasonable settlement. The company has harassed me and did not provide a decent solution until I was almost about to be sent to a creditor or debt collector. 

I am also in debt with the federal government and have been told confusing information about the public loan forgiveness program.
Consumer complaint received 2019-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX 2015 I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. This check number was XXXX. On XXXX XXXX I noticed the check was cashed against my account. On XXXX XXXX My landlord called me and stated she still had not received the check. I then went to XXXX bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with XXXX bank on XXXX XXXX stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim on XXXX XXXX. I called XXXX claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. XXXX then told me they got Bank of America to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called XXXX and gave them the police report information. I was then told on XXXX XXXX 2015 that XXXX sent Bank of America a demand letter. On XXXX XXXX XXXX did a follow up with Bank Of America and Bank of America stated an expected date of completion would be XXXX XXXX. On XXXX XXXX XXXX informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called Bank of America and all they would tell me is that they denied the claim with XXXX. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of stress on me after I gave birth to my son.
Consumer complaint received 2020-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

On XX/XX/2020, I deposited {$120.00} into my coinbase account. I did this via purchasing bitcoin on XXXX XXXX, and then sending it to my wallet on coinbase pro. After this, I sold my bitcoin on coinbase pro for USD. 

I then proceeded to complete the Coinbase Earn program, and was compensated with {$38.00} in various cryptocurrencies as a reward. After completion of the program, they give you the option to refer someone to do the same and receive up to {$10.00} in rewards per completed referral. 

I referred my mother, who I then helped set up a account on coinbase. 

Immediately after this, my account was locked, and I am no longer able to access any of my USD on the Coinbase Pro  app. Within their Terms of Service, they explicitly state that unless ordered by federal or legal means, youre money will always be available to withdraw to a verified bank account. 

Not only do I have a verified bank account connected to the company, but I have provided all necessary identification verification documents. They are in direct violation of their own terms of service, and are illegally holding my money hostage.
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

PayPal has closed my account because they alleged that I wrote 2 checks that were returned on XX/XX/2019 in the amount of {$49.00} and {$35.00} on XX/XX/2019. This allegation is false and has been reported to the 3 credit bureaus and has adversely affected My credit report and rating. I checked my bank account and there have been no returned checks from PayPal and they have submitted erroneous information to the 3 credit bureaus.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

Between XX/XX/XXXX-XX/XX/XXXX my credit limit was taken away by three credit card companies. 

I lost {$34000.00} in my credit limit in 3 days XXXX XXXX Visa Card XXXX XXXX Citi AAdvantage Visa XXXX XXXX Citi XXXX Card XXXX XXXX I pay my balances on time 100 %. I was never late in payment I have no charge-off accounts. I have 28+ year excellent credit history I was not using more than 15 to 25 % of the balances on the cards None of these companies will restore my credit They based their decision on false information on my credit report which was removed on XX/XX/XXXX.
Consumer complaint received 2017-01-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, XXXX I have contacted Bank of America again to ask them to honor attached checks issued on XXXX XXXX, XXXX. Bank of America owe me {$9800.00} plus 20 % interest, {$100.00} late fee each month starting XXXX XXXX, XXXX ( date of loss ) until paid in full, my personal time $ XXXX/hour for 20 hours to collect stolen funds, pain and suffering etc. I have informed this bank numerous times that I do NOT know the person who stole my savings in XXXX and XXXX. Bank of America was notified immediately regarding stolen funds once I found out. I also have proof showing theft changed my accounts ' address and obtained all my information to open new accouts which totally against my will. Bank of America has issued 5 letters and 5 checks to honor the claims. At this time, I am asking Bank of America to honor these 5 checks, DO NOT cheat constomer as a burlgary victim and rights violation victim. Furthermore, Customer NEVER authorized the person who stole the funds to do anything. Instead, all I experienced were financial loss and health damages, vehicle damages ( cutting tires etc. ) from this theft. 
1. Check # XXXX Amount : {$8500.00} ( see attached image ) 2. Check # XXXX Amount : {$1300.00} ( see attached image ) 3. Check # XXXX Amount : {$3.00} ( see attached image ) 4. Check # XXXX Amount : {$3.00} ( see attached image ) 5. Check # XXXX Amount : {$4.00} ( see attached image )
Consumer complaint received 2020-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC (NC)

I sent a validation letter to PMAB thst was received in their office on XX/XX/2020. They sent me a response back and it contained some very sensitive information ( HIPAA violation ) I didnt receive and signed consent documentation. They went as far as changing the account numbers on the correspondence to a number other than what they are reporting on my credit report with all 3 Bureaus. The amounts they are reporting are the same but the illegally changed the number bc they knew I was disputing the validity of the debt. I have file a complaint with the XXXX  and I am also in the process of consulting legal counsel. This company is awful and are their business practices are illegal.