davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: STERLING JEWELERS, INC. (FL)

I have found an account for Kay Jewelers on my credit report from 2008 that was charged off. I do n't recall ever charging anything to this account. When I call to get information on this debt the representative on the phone informed me that the account was transferred to XXXX and they had no other information. The amount of the charge off is {$120.00} which I always paid my bills but in store with cash. I would never carry a balance on this card as their interest rate is 25 % APR which is usury in the State of Florida as the Florida Stature caps interest at 18 %.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My loan was transferred to new servicer effective XXXX/XXXX/16. I have sold my house and was scheduled to close today XXXX/XXXX/16 and that has had to be postponed because new servicer says they can not provide payoff info or account info because it is not in their system. They are offering no help and now I can not close and this effects my buyers and their buyers.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2016-04-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Nations Recovery Center (PA)

A man by the name of XXXX XXXX, who said he is a professional debt collector from Nations Recovery Center, is repeatedly calling me on my work phone, and my cell phone number. He calls from various numbers and extensions. I find this man to be disturbingly harrassing. At first when he called, he did n't leave the nature/name of the debt in which he says that I owe. Now he 's saying its regarding a XXXX XXXX XXXX. I have asked this person time and again to not call my place of employment, but he still does it. Please do something to stop this harrassment, or I could get terminated from my job, which is causing me undue stress. Thank you.
Consumer complaint received 2016-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

My loans were with XXXX for many years. I was contacted by a group called the XXXX They said they received my information from the Government as part of Obama 's efforts to reduce the burden of student loan debt and that they believed I qualified for a lowering of my payment. They said if they submitted for the program that I could also get my interest rate reduced if the payment reduction was declined. I asked the guy SPECIFICALLY if they based the decision on adjusted gross income or gross income. He said ADJUSTED gross. I was VERY interested in that as I have to stupidly high interest rate of XXXX % on my loans. They told me to stop making payments to XXXX while I went through the application procedure. That application was denied and I was then told that what the person I spoke to said about getting my interest rate reduced was also incorrect about that and that the approval process was based on adjusted gross income. I demanded a return of the payments I had made to this company which they said was a fee for the processing of the application, on the grounds that they misinformed me of what was actually possible. They reviewed the recorded calls and verified that I was correct and issued a refund. Then all of a sudden I started getting payment notices from a new company called FedLoan Servicing. Apparently buried the paperwork that I electronically signed it indicated that I was authorizing them to take over my loan when I applied for this supposed payment reduction program. This was again something that was NOT explained, and it very much upset me that they did this. I have come to find out that XXXX group and XXXX are owned by the same people. This is a scam and I feel I am entitled to compensation for the deceptive trade practices that this company performed.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (CA)

The original creditor XXXX charged illegal, exorbitant and unsubstantiated fees after I moved out of my apartment. XXXX actually owes me money from my deposit which they illegally withheld and assessed extra fees arbitrarily. The carpet was spotless upon moving out. They also charged me some random fee for carpet removal in excess of {$350.00} and provided no receipt for this work. They simply said that the work was done by onsite maintenance staff. When I asked them to provide proof that the maintenance staff was paid the {$350.00} for carpet removal, they could provide none. The maintenance staff is paid hourly and they could provide no proof of the fees. These fees are a punishment, completely fabricated and spurious. XXXX Owes me money. I demand that XXXX reimburses me for the carpet cleaning fee, the carpet removal fee and removes this collection from my credit record and restores my good rental history in XXXX at once.
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC (VA)

XXXX was included in bk XXXX XXXX of virginia inreturn XXXX has transferred account to collection agency bk was discharged on XXXX
Consumer complaint received 2016-10-17
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (SC)

I am unsure if what happened to me is a legit reason to be this upset but after trying to pay my bill in full part of my payment was declined so I was contacted again by the collection agency to take care of the rest. After asking if I could call my husband to make sure it is okay to make the rest of the payment I was consistently and rudely questioned as to why I needed to call him. I was shaking they were being so rude and I just could not believe they would not allow me to just call them right back. I understand they are a collection agency and need their money back but I felt like I was dealt with on an inappropriate manner.
Consumer complaint received 2016-06-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I am sending XXXX attachment. But i noticed it said fake path. Since I began making reports to CFPB, I notice a redirect when I have sent documents to you. As of yesterday, I was hoping it was repaired. If I do not hear from you, I will call shortly. 
In a XXXX XXXX, 2016 correspondence from specialized loan servicing company ( SLS ), the company stated XXXX XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee is my current creditor with whom the debt of XXXX is owed. SLS stated that the amount of debt as of XXXX XXXX, 2016, is the unpaid principal balance ( PB ) of the first mortgage : {$46000.00} and includes the deferred principal balance : {$78000.00} There is a late fee, advanced escrow fees, and some uncollected interest also owed. To bring more clarity to this matter, I am asking Specialized Loan Servicing ( SLS ) to provide me with, again, 1. Name of company to whom I owe the {$120.00}, XXXX, Address, Telephone Number, Loan Account Number, and provide a first and last name of a person to contact, along with extension number if he/she has one.
Consumer complaint received 2015-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Collections Enterprise, Inc. (VA)

I pulled my own credit report on XXXX XXXX, XXXX. American Collection Enterprises , Inc. ( ACEI ) of XXXX, VA is reporting a debt to Equifax from a childcare company that I used in XX/XX/XXXX. I am aware of the childcare company, and used that company, but was not aware that there was an outstanding balance. During my call, I advised ACEI that I was not aware of the debt and asked if there was something they could provide me regarding the debt. I was told by the ACEI rep that they do n't have to provide me with anything because something was sent to me in XX/XX/XXXX. Further, their rep stated that since they are reporting it on my credit report every month, that is all the verification they are required to provide. I advised them that it is now 5 years after the supposed letter was sent to me, that I never received it, and asked if they could please send me something, anything, that indicates I owe the debt. I was refused again and referred to the fact that they only have to report it on my credit report. I sent a certified letter asking for more information and the letter is thus far undeliverable. I used the address as found on the Better Business Bureau. They provide no address whatsoever on their website, only a form to fill out. I am only requesting they provide the minimum amount of information that verifies that the original creditor ' says I still owe this debt. I believe that I do not. I do n't feel that simply reporting it on my credit report is proof of anything. If they ca n't provide this information, then I would like them to remove the entry from my credit report. I have also reached out to the daycare company via email ( one that I retrieved directly from their website ) and it was returned undeliverable.
Consumer complaint received 2015-06-12
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Progressive Financial Services, Inc. (MN)

Progressive Financial Services, Inc unlawfully and illegally removed my student loan account with the U.S. Department Of Education out of deferment status and seized {$7000.00} illegally and unlawfully from my federal and state tax return. My student loan account is suppose to be in deferment status and I should have a balance under {$2000.00} because I was given a waiver of debt for debt forgiveness. I have repeatedly received phone calls from debt collectors from Progressive Financial Services Inc harassing, verbally abusing and threatening me with harm, death, arrest and wage garnishment.
Consumer complaint received 2015-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (OH)

I have sent several letter to Pinnacle Credit Services LLC with no response from them. They are reporting incorrect information on my credit report every month. They are listing it as a new debt as well as for collection. This has been happening for several months now. I have tried to reach the company but no one is returning my calls or answering my letters. I even have a letter from XXXX of their attorney stating they can not find any information regarding my account. I asked for the account to be removed ; it was removed for 2 months then put back on twice. I got that corrected. I have tried with all of the credit bureaus to have it removed but they say the debt is valid. When I asked for proof they send information through another agency but not to me. This is costing so much stress. I would appreciate someone looking into the matter. It seems to me that I am not the only person they are doing this too. This is so wrong. I am trying to purchase a house but this keeps popping up.
Consumer complaint received 2016-10-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: United Student Aid (USA) Funds (MA)

I XXXX XXXX am being pressured by a number of collection agencies that state they have a right to an administrative garnishment against my wages. Administrative garnishments can only be procured by the United States Government, period. My student loans are privately owned, and these private debt collectors are disguising themselves as collectors of federal debts that are private only. I have been harassed at my work and home with threatening phone calls, all in violation of my rights with the Fair Debt Collection Practices Act. I demand to know what entities own my student loan debts. 
I DEMAND A CEASE & DESIST ON ALL COMMUNICATIONS OUTSIDE OF WRITTEN CORRESPONDENCE!!! 
I DEMAND A COMPLETE FORENSICS REVIEW ON THE CHAIN OF OWNERSHIP OF MY STUDENT LOANS!!! 
I DEMAND A FULL REVIEW OF EXISTING STUDENT LOANS FOR A CONSIDERATION OF CONSOLIDATION!!! 
There must be a court order on any private debt, which would require a summons and complaint and an actual judgment. That is the actual protocol with my student loan situation.
Consumer complaint received 2016-09-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I had deferred payments set up while I was going thru a hardship in XXXX when my loan was with XXXX XXXX, then again in XXXX. When I reviewed my credit report the account posted as late. Those accounts should not have posted negative since I called the company and let them know I was in between jobs and needed to defer my payments.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (WA)

Describe what happened so we can understand the issue ... 
In XXXX 2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XXXX, I received a notice from XXXX, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called XXXX to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the XXXX representatives said there was nothing they could do to reverse this. As of late XXXX, XXXX was cooperating with pending CFPB complaint. As of XXXX, XXXX claimed to have no knowledge of this debt ... at the same time, XXXX XXXX stated they no longer held the account and could not provide any information. On XXXX XXXX, I received another collections notice from Stellar Recovery. The repeated dodging of my complaints and shuffling of my account is making this issue next to impossible to solve.
Consumer complaint received 2015-05-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I answered an ad on XXXX that said that there was this family looking for a nanny to take care of their XXXX year old boy. A couple days after I answered the ad the person that put up the ad contacted me through email and gave me a description of how the job would be. I was a little hesitant at first but I accepted the job and once I did they sent me a check for XXXX dollars which was for errands and for my XXXX weeks pay.They had explained to me that they were living in XXXX at the moment due to the mans job with the XXXX and that they would be moving back to the desert on XXXX XXXX. They also explained that their house was being renovated and so a couple days after they told me that they had told me that their renovator needed more money before they could finish the job so I went to the bank and withdrew XXXX because they sent me specific instructions to send their renovator money through XXXX and XXXX XXXX. The amount they wanted me to send was XXXX but I ended up sending the whole XXXX they sent me and 40 dollars out of my own pocket to pay the remaining balance. A day after I sent that money I had checked my bank account and saw that I was negative XXXX dollars and just did n't understand why. After I saw that balance I went to my bank which is Bank of America to see what had happened and I found out that the family had committed fraud against me. The bank told me that I was liable for that money because it was deposited in my account but what I did n't understand was why the bank would process a check that was fraud and let me withdraw XXXX which was money that did n't even exist. I explained this feeling to a banker and all they said was, " that stinks but we ca n't do anything about it because you are liable for that money. '' The fact that the banker said those exact words to me which started off with something completely unprofessional came to a shock to me because they just were n't going to do anything to help me when this whole situation was n't my fault. They let me deposit a fraud check and than they let me withdraw almost all of that money and in the end I was the one that has to suffer with negative money in my account and I find that that completely unfair.
Consumer complaint received 2016-03-31
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ), is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( hereinafter " XXXX '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ) is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).
Consumer complaint received 2015-11-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CURO Intermediate Holdings (AZ)

I have been paying this loan since around XXXX 2014, I have been paying and the loan amount seems to remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is continued dispute of a previously documented case. 

XX/XX/XXXX I secured a mortgage with Bank of America XXXX FHA Home Loan XXXX as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply.I was not provided adequate disclosure of the debt protection product given my knowledge as a consumer and the circumstances involved in securing a first-time homebuyers loan. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a XXXX student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

My issues are that I was 1 ) being charged for an add-on product that was marketed with a free trial, but information around the auto-enroll process at the end of the trial was not clearly conveyed either at the start of the trial or the end. It was added when I was signing a substantial amount of paperwork for a first-time homebuyer FHA loan. I was apparently sent XXXX piece of mail to inform me of the impending fees at the end of the trial ( I do not recall receiving this, but I have read the attachment ). It is not unreasonable to say that a single piece of what looks like marketing material would be insufficient to inform customers. I received much more notice, for example, when my mortgage was being transferred to a new financial institution. 2 ) My XXXX issue was my attempt to use the product prior to cancellation, but being told I was ineligible for the benefit.The terms and conditions were written in a manner that was not easily conveyed when signing a mortgage unless you were a lawyer. 

The bank offered a courtesy refund of XXXX months ; I appreciate that but I would like to request the entire amount charged over the period be refunded to me.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a mortgage account with Bank Of America in which I open on XX/XX/XXXX. I have made every payment on time since the account was open in XX/XX/XXXX. In XX/XX/XXXX I filed for chapter XXXX bankruptcy with a lawyer in XXXX, PA. I then change my mind and had my lawyer to dismissed the chapter XXXX bankruptcy. The chapter XXXX bankruptcy was never implemented or went into bankruptcy court. The judge signed the chapter XXXX dismissal from the lawyer. Bank Of America should never have closed my account. The bank will not give favorable credit ratings to the XXXX credit reporting agencies. I have ask Bank Of America to correct my account and they said they will not. Bank of America send negative and inaccurate information about my account to the XXXX credit bureau on me and my wife although I 've paid every payment on time since XX/XX/XXXX. My wife and I have a XXXX ( low ) credit score because of Bank of America.