davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (MA)

Everbank did not send me any information to explore my loss mitigation options,  NOR  did they file an order notice as required by law in massachusettes at the registry of deeds, nor was I notified of the auction. Auction  date   XXXX  - I h ave an investor that wants to short sale need more time. I have n't received any correspondence on the foreclosure date by mail .Was notify by someone other than everbank Please help!!
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (NY)

On XXXX/XXXX/XXXX at approximately XXXX, a call was placed to my employer from Comenity Bank regarding a XXXX XXXX XXXX. They asked several people in my office if I worked for them, and stated they are " chasing him for a XXXX debt. '' I finally got them on the line and instructed them to reach me in writing and that it was simply not right to share my debt information with everyone in my office. Is n't calling and reporting about my debt to my employer illegal!?! please help!
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I go thru a website to get my earnings deposited into my account but my bank is not cooperating with the company to supply the information needed in a timely manner. This company helps me with funds before I get my paycheck if funds are tight and is needed in a timely manner. My account also was charged fraudulently and a report was made and after almost  two  months I am still waiting for the money to be put back in my account.  <P/> I also had a prepaid account with another company and my wallet had got stolen and report was made but that company refused to credit back the funds taken in the theft.
Consumer complaint received 2017-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I h ave two student loans repayments, one from Navient fo r {$24000.00} and  XXXX   for@  XXXX . I only went to   XXXX   XXXX   XXXX   XXXX  for 3 years  ( no de gree- left with a dispute with the financial aid office ) and there is no way I have close to {$50000.00} student loan debt. Bo th Navient  and  XXXX  are giving me the running around. I did make a deferment for the  XXXX  with the payment due in  XXXX    XXXX  .     The last correspondce I received was from  Navient 's Consumer Advocate Office  disputing all proof submitted to their office.
Consumer complaint received 2017-06-20
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. (TX)

On XX/XX/XXXX, I went into XXXX XXXX XXXX XXXX on XXXX, XXXX , Texas and spoke with member service in regards to inadequate information on my credit reports. An Officer of the bank provided a letter in regards that I was never late and this account should be close with no negative remarks. This account was closed in XX/XX/XXXX; however the bank officer I spoke to at the time of closing my account did not show a balance owe to this account. The bank charged me a NSF fee after the account was closed which I do n't understand. I paid this account in XX/XX/XXXX in order to open an account at another bank. I submitted this letter and dispute the information online with Experian ; however, Experian updated reflected this account was charged off XX/XX/XXXX instead of XX/XX/XXXX once the account was closed. I disputed this information again with the bank because Experian stated they updated my information based on the creditors statement. This action caused my score to drop 24 points.
Consumer complaint received 2017-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

Central Financial Control XXXX Syndicated Office Systems is reporting a debt to XXXX XXXX XXXX XXXX.It shows on my reports as account number XXXX. The collector is collecting for XXXX XXXX XXXX where I had XXXX XXXX some time ago.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to go to a VA facility for healthcare normally, if we have an XXXX we can go anywhere.I thought I was having a XXXX XXXX with all of the symptoms of one. I was on the phone to VA staff explaining my situation, they told me to call XXXX.An ambulance was called and transported me to XXXX.When treated I provided information that I had full VA medical benefits.This erroneous bill and debt should not exist.You must delete this account according to law as the responsibility for payment was the federal government.
Consumer complaint received 2017-06-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Big Picture Loans, LLC (DC)

I borrowed {$400.00} from Big Picture Loans in XX/XX/XXXX and I have paid {$200.00} in each of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$600.00}. The lender refuses to discharge the loan and wants me to pay {$200.00} a month until XX/XX/XXXX. I can not afford to pay that amount and have told the lender but they insist that I pay. The interest rate is 735.9112 %.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OH)

On XX/XX/XXXX I filed a complaint with you, complaint XXXX, regarding XXXX XXXX XXXX. The complaint was about being billed for a cancelled phone service. I cancelled my home phone in XX/XX/XXXX and in XX/XX/XXXX received a phone bill for a full months service even though my phone service was cancelled. I called XXXX XXXX XXXX and spoke with a rep who said he would resolve the problem.In XX/XX/XXXX I again received a phone bill for the bill I received in XX/XX/XXXX. I called XXXX XXXX XXXX and spoke with a rep who said he would resolve the problem. In XX/XX/XXXX I again received the bill and called again and spoke with a rep who said he would resolve the issue.In XX/XX/XXXX again received a bill. Didnt call because it never resolved the problem. In XX/XX/XXXX I received a letter from a collection agency, ( Diversified Consultants, Inc.regarding my bill from XXXX XXXX XXXX. Out of frustration I sent them the {$100.00} they said I owed to XXXX XXXX XXXX..I then filed a formal complaint against XXXX XXXX XXXX with your business, Complaint number XXXX. After receiving a reply from your company via e-mail telling me you had attemptrd to solve my problem with XXXX XXXX XXXX. Apparently your pressure resolved the issue as I received a check for {$100.00} from Diversified Cosultants Inc.stating there was an over payment on the acccount.. Was the problem solved? Apparently not as yesterday I again received a bill from XXXX XXXX XXXX for {$100.00}. I am angry, frustrated and totally XXXX XXXX. Once this issue is finally over I will cancell my XXXX, an affiliate of XXXX XXXX XXXX and switch to the XXXX XXXX. I presently pay over {$200.00} a month to XXXX for satellite TV and because they are connected to XXXX XXXX XXXX i want nothing to do with them. It will be almost a {$2500.00} loss to XXXX This issue has been going on for over six months now and XXXX XXXX XXXX need to realize I dont owe money for a cancelled phone.
Consumer complaint received 2017-06-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BEXIL AMERICAN MORTGAGE INC. (MN)

While I was XXXX, I had contacted a new Home Insurance provider due to better coverage at a lower rate. I had contacted the Company in question ( the loan servicing company ) XXXX ( Castle mortgage ) to see if I could pay the escrow covering my insurance so that they could issue a payment to the new insurance company. They explained to me that they had in internal process to re-issue a insurance payment, I asked them if I paid the amount directly into escrow if that would avoid the issue. They said that it should n't be a problem. I paid {$2000.00} on XXXX XXXX via their online system directly to the escrow Meanwhile, with my new insurance provider, they had not received the payment, and could not get in touch with me. They cancelled the policy in XXXX XXXX. The loan company then in XXXX XXXX sent the new check to the insurance company, who then immediately issued me a refund since they had already cancelled the policy. I opened the check, which was signed XXXX XXXX, late last week ( Friday XXXX XXXX ) to which I called the insurance company and head they had already cancelled the policy, prior to the Mortgage company not remitting payment in time. I had to get a NEW policy, covering a 64 day gap, which will cost me roughly an additional $ XXXX XXXXearly, and am worried the mortgage company will not remit payment in time from the escrow again.
***Additionally, I have been receiving loan services from this company, and believe that they are grossly overcharging me in escrow payments. I refinanced a couple of years ago to go from a rate of 5 % to 3.25 %, my payements according to the good faith esimate ( from XXXX XXXX ) said my new payments would be around {$1100.00} per month. Once the servicor ( who this complaint is about ) took over, they said that there was a " miscalculation '' in the escrow and now my payments have been over {$1500.00}, which is more than at the old interest rate.
Something does n't add up, and I did a minor calculation on what the escrow should be and came in much lower ( $ 449 monthly ) than the {$640.00} escrow payment they say I should be paying.
I believe my escrow has/is being grossly mishandled.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (FL)

The following inquiry is Unknown SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX SYNCB/WALMART PLCC XXXX. XXXX, XXXX Unknown inquiry, please delete
Consumer complaint received 2017-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

XX/XX/XXXX put my account into forbearance. Was charged a {$100.00} fee. XX/XX/XXXX was told that I could not put my loans into deferment. Got a bill for over {$800.00}. Called to resolve the matter asking for a lower interest, and was outright denied. Was told that the interest only payment was over $ XXXX/month. Was asked to pay this amount and could n't because I was living on SSI with an income of {$730.00}. I can not make these payments and I still live on SSI. I have not made any attempts since XX/XX/XXXX to resolve the matter or make payments. The {$50000.00} loans now total over {$100000.00} and I am still getting calls from creditors to collect on this.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

After checking my credit report I realized that 5th 3rd 's Identity Alert program has been inaccurately reporting my credit score. After speaking to several branch  managers at different locations and reps on the phone they informed me that the reporting is never meant to be precise and refused to refund all. The branch managers tell me to call XXXX and the phone tells me to speak to a branch manager. I have also had issues with unauthorized charges that resulted in overdraft fees. I was promised at least one reversal and assistance disputing the other charges and when I follow up I get conflicting information. I have not been receiving refunds for atm fees. I am with a program that refunds atm fees 6 times per month
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (UT)

I went into a Chase branch on  X/XX/17    to open a checking and savings account because I kept receiving promotions for {$500.00} bonus for opening both and fulfilling various requirements including keeping a balance of {$15000.00} in the savings. After opening both, I logged in online and linked my external account which contained the $  XXXX . The transfer tool only allowed to transfer a max of $  XXXX  so I did and then initiated a second transfer of $  XXXX  in order to fulfill the promo requirement.  <P/> Later that day when I went to log in again, I received an error stating my account was locked and giving me a number to call. I called and spoke to a very rude woman in the Loss  Prevention d epartment who informed me that my accounts were closed, my transfers cancelled and my balance of {$25.00} would be mailed to me. I asked why and she informed me that I was not allowed to know and n o Chase  employee would ever tell me. Over a week later I received  two let ters in the mail indicating that my transfers were flagged as fraudulent.  <P/> If  Chase  had made even the slightest attempt to contact me, then I could have easily identified the transfers as legitimate ( and in fact required based o n Chase 's  own requirements  ). Instea d my accounts were forcibly closed less than  8 h ours after I opened them, despite having over 10 years of history as a  Chase cu stomer.  <P/> Now, I have been told I am banned for life from using any Chase banking accounts ( my Chase credit cards are unaffected ) and I have been denied the opportunity to earn the stated {$500.00} bonus ( for which I continue to receive offers fr om Chase ).
Consumer complaint received 2017-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, And XXXX all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (FL)

I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries :   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  and this violates my rights as a consumer.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (CA)

This is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - FRANKLIN COLL . - Account type- COLLECTIONS. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX to FRANKLIN COLL, did not hear back from them on both occasions. XXXX is reporting negatively on my Credit files and they all need to remove them immediately. FRANKLIN COLL information is fraudulent and inaccurate and that they need to remove FRANKLIN COLL IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX or FRANKLIN COLL. As of XXXX/XXXX/XXXX, FRANKLIN COLL is still reporting negatively on my all three credit files. I want this deleted immediately from XXXX credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (WA)

Had a false claim submitted to  Caine & Wiener from  seller on  XXXX , which  XXXX  ruled stated I did not owe any money.  XXXX   XXXX   XXXX  claimed he was a lawyer, that he did not care that  XXXX  said I am under no legal obligations, and that I was breaking the law by not paying. When I asked for his lawyer licensing number, he then back tracked and said he never claimed that. He was trying to intimidate me and then very rude afterward, and refused to answer most of my questions. I could not get any information on the company that filed the false claim.
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PINNACLE RECOVERY, INC. (TN)

This all started in 2016 when I opened a account with XXXX XXXX. I found a {$11000.00} Debit and a collection agency tied to this information Pennical.
Their client for whom they were collecting for was XXXX XXXX XXXX XXXX XXXX. Someone has purchased a timeshare from this resort in my name. I have alerted Pennical several times I have never been to this resort and never ever purchased a timeshare. The response I got was they increased the debt to {$14000.00}. I have called the resort only to be referred to Pennical collections. I requested the paperwork for this account and Pennical representative claimed he would email it. Never received anything.This has turned into some type of sick game for the collection agency and it has ruined my credit. Please help me this is not my purchase.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Who m It May Concer n   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX    SOC #    XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May Conce rn : This letter is a formal request to correct inaccurate information contained in my C redit Reports. The item ( s ) listed   below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY C URENT ADRESS  ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my   claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuan t to 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six months.      Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in qu estion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as require d by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to compl y with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Last year i had listed my property to try to sell it to avoid foreclosure. I had to file for a chapter XXXX  bankruptcy to stop everything from going foward. I am now dismissed from the bankruptcy. The servicer has agreed to accept a short sale on the property. So my property was listed and they gave no amount but i got a couple of offers and submitted them to the servicer. They then denied offers and made the price XXXX. I had more showings and another offer for XXXX. They denied again and raised the price to XXXX. I then had an appraiser come in and appraise it at XXXX. My attorney subbmited to them and denied it. Still wanting XXXX. My property has been actively listed for almost a year now and i can not get it sold. The banks unwillingness to accept any offers. They are holding me XXXX it seems like. I have tired everything. I am a mother of XXXX kids and recently separated. This was my parents property and when they passed away i was unable to pay the mortgage due to major financial hardship. The servicer does not keep a price and keep changing their minds. I dont feel it is right how they are handling this short sale.