davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My bank allowed charges to go through on a fraudulent charge. On XXXX/XXXX/16 I saw an offer for free trail of XXXX and to pay XXXX for shipping and the end of my transaction it was an offer for another XXXX for the same offer to try as a combo pay only shipping, I made sure no additional payments were required finished my transaction, I checked my account and notice strange charges and called the bank, they said it was international charges. The combo XXXX came a couple of weeks later. On XXXX/XXXX/16 XXXX was charged to my card I checked my email for any invoices or confirmation of purchase everytime i shop on line it is how I keep track of my online spending I did not get anything. I called the bank and I put a stop on the purchased and reported fraud. They reversed the charges and i told them to block the vendor I did n't buy anything for XXXX charged was returned XXXX. on XXXX/XXXX/16 XXXX charged my charged my card again causing an overdraft, I called the bank and i asked how did the charge go through and they could n't explain how it happen they read the notes from the weeks before, so on XXXX reversed the charges again. i still had n't gotten anything in the mail the bank could n't locate a phone number so i could call. XXXX got the XXXX and it had a letter telling me I was defrauding them for not paying. i finally got a number and I called and i told them they were the fraudulent ones, and i wanted to send them back. He told me they did n't take medicine back but they would refund my money, i told him that i told the bank they were fraud, XXXX was his name wanted me to take the fraud investigation off, he gave me a confirmation. I called the bank after i talked to XXXX. I gave her the information she said she took down what i said and confirmation number. on XXXX the bank took XXXX out of my account and then again on XXXX another XXXX stated their investigation show no error the purchase was valid. the paper work from their investigation from their website do n't match the charges from my account. I didn/t keep the pills nor did i keep the papers that came with them. The bank would claim to take notes and more times than one they had no record of my many calls
Consumer complaint received 2015-11-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Dear sirs, I recently spoke with your rep and she read me the response from XXXX at Bank of America. This has truly been a nightmare i hope to end soon. The bank cleared this certified company check and then after being on hold for 4 days they cleared it into my account. The very next day they put a stop payment on it. Then to make matters worse they stopped payment on a check that was n't even real. The Bank will not return my calls, keep adding fees and will not let me close my account. BAnk of America is clearly avoiding the fact that their processors missed that this was fraud and refuse to admit they were wrong in letting this check get cleared and a stip payment be put in effect. The documents they sent you do not match the documents they sent me. This is in reference to a case i already have with Bank of America. if i am causing confusion i apoligize but i dont know how else to give the updated information to your company. I am attaching documents which clearly are different that the ones the bank sent to you. also the information they provided to you is indeed their side of the incedent and does not match what truly happened. case XXXX. 
I am homeless and temporary with a friend i am XXXX and it is hard for me to get around. i will check my email please let me know if you need me to call you. 
thank you, XXXX XXXX
Consumer complaint received 2016-01-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear : CFPB I need your help to solve this problem with Bank of America ( BoA ) I strongly believe that my right as a consumer had been violated and denied for too long with the negative and false report in my credit file from Bo A. In XXXX XXXX BoA send me letter for collection and credit refund this process is conflicting with XXXX and the other. 

On XXXX/XXXX/XXXX I spoke to Bank of America ( BoA ) over the phone ( XXXX ) XXXX, XXXX, XXXX and transfer to XXXX in the billing department about the credit report of late payment and delinquency in my credit file, after I explained to him the error happened since XXXX XXXX told me that the report on all of my accounts will be correct and remove, and the credit bureau said it take about 30 days to get it correct. 

Today I went online to order my annual credit report and find that the late payment and the delinquency report was back in my files. I call XXXX and spoke to XXXX he said BoA had made a final decision that the delinquency report stayed as is in my file. I requests to speak to XXXX in the billing department but was denied, how could I have a delinquency when BoA refund a credit of {$61.00} to me plus all the late fees and interests was refund and correct since XXXX XXXX statements? 

I pay my bill in timely manner and paid as agreed, I did not paid minimum balance instead I paid full balance each billing cycle on all credit cards that I have with XXXX, XXXX XXXX, and Bank of America for the pass several years, please verify this with other cards provider. 

Please I need your help and I requests for an investigation into this matter to correct and remove this false report that had destroyed my good credit for over a year. Thank you for all your help and understanding I am looking forward to hear from you. 

Respectfully, XXXX XXXX Ps : This matter concern the account # XXXX, XXXX ( last XXXX ) Attached documents already send through regular mail XXXX/XXXX/XXXX
Consumer complaint received 2016-07-15
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

To Whom IT May Concern ; I tried to reach a resolution on complaint XXXX with XXXX XXXX Nissan to no avail. The persons I needed to talk was always out of the office. This was totally unacceptable I was willing to surrender the vehicle. However, I now want them to consider the loan paid off with nothing against my credit. Also a apology from Texas Nissan of XXXX and XXXX XXXX for his lies, cheating and XXXX ways. He shows know respect for XXXX Vets nor their families all life matter regardless of race.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Technologies, Inc. (GA)

I requested a copy of all three national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Credit Technologies, INC. requesting a freeze on my credit report. They responded by saying that the hard inquiry could not be removed from my report, in which I did not ask that it does. I asked for a freeze and that was not honored. I feel that hey are indeed trying to give me the run around.
Consumer complaint received 2016-11-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Dear XXXX iam writing this note to you telling you about the unfair treatment that i have been getting for trying to get a loan modification from rushmore XXXX loan company I pay several companies to try and help me and I get no result now iam working with a next company and its the same thing so can you please help me cause I want to keep my house all iam asking for is help I filled bankruptcy for several times just to stop them from taking my house I work XXXX jobs to get it and do n't want to lose it thanks again
Consumer complaint received 2015-06-08
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First National Collection Bureau, Inc. (MN)

Car was repossessed in XX/XX/XXXX. They came and got the car, and sold it for less than market value, market value at the time was XXXX The original debt was XXXX -sold car for less than {$1000.00}. NOW they say today XX/XX/XXXX ( 18 years ) I owe {$12000.00} ( caller of collection agency -said this ) This is the XXXX collection agency to purchase this debt. Letter received says I can settle his debt for a mere $ XXXX! 
Agency is First National Collection Bureau , Inc .
Consumer complaint received 2020-06-11
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. (CO)

One particular issue is that I have disputed that my auto loan with XXXX XXXX XXXX XXXX account number ending in XXXX was supposed to be in good standing with no missed payments. Please see attached letter from XXXX XXXX XXXX XXXX. Which is just one of the issues I have with them for not making sure my credit reports are accurate when Im constantly calling and even speaking with supervisors.
Consumer complaint received 2016-05-10
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Capitol Credit Company (NC)

capital credit illegally repossed my truck 1 week later after i renewed my contract with them my first payment not due till XXXX/XXXX/16 my truck there was not an active repossesion order on my truck i didntbowe capital credit anything i called and tried to talk to curt from XXXX nc office he talked real nasty to me they gave me 2 days to come up eith XXXX to get my truck back and then expect me to pay XXXX every month i feel like im being taken advantage of i hope you guys can help me thas the only means of transportation i have please help me
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (MO)

I paid to get a XXXX put in my truck on XXXX XXXX, 2015 by XXXX XXXX in XXXX, Mo. Immediately after I called XXXX to let him know the XXXX did n't work. I brought it back and he said it was n't his problem it was the truck. We just bought the truck so I called the dealer, XXXX, they looked at it and said that it was a faulty XXXX that XXXX installed. My husband called XXXX at XXXX and he said he did n't want to talk to us again nor see the truck again. We filed a dispute with Discover credit card company, in XXXX. Then we took our vehicle to the dealer, XXXX, to have them replace the XXXX so we would have a XXXX that worked. We sent the receipt to Discover along with a letter from the service manager stating the XXXX was the problem. XXXX at XXXX XXXX claimed he did everything right and that he tried contacting us on numerous occasions, which he did AFTER we paid to have the truck repaired. Then Discover found in XXXX XXXX 's favor even after we showed proof that we had to pay someone else to fix what XXXX would not. We are extremely frustrated with the process that was taken and feel that we have been wronged by Discover as well as XXXX XXXX. All we want is our refund for what we paid for the XXXX and our down time for the truck being out of service. We were without the use of our vehicle for several days due to the mishandling and unwillingness to fix the problem the merchant created. I have filed numerous letters with Discover and they say that the issue is resolved. I am out the money I paid XXXX as well as what we paid to the XXXX dealer to fix our truck. Not to mention the vehicle being down and unable to be used do to this problem.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

Hello, Today, XX/XX/2020 at approximately XXXX XXXX  I opened up my XXXX XXXX XXXX and my PNC debit card was unlinked, preventing me from withdrawing money from said card to put into my investments in XXXX. As I attempted several times to relink my card by providing my PNC account information into the app, the following message kept appearing : PNC HAS MADE A CHANGE THAT PREVENTS YOU FROM BEING ABLE TO LINK YOUR ACCOUNTS. FILE A COMPLAINT WITH THE CFPB. THE CONSUMER FINANCIAL PROTECTION BUREAU MAKES SURE BANKS, AND OTHER FINANCIAL COMPANIES TREAT YOU FAIRLY. YOU CAN ALERT PNC THAT YOU NEED ACCESS TO YOUR FINANCIAL DATA BY FILING A COMPLAINT WITH THE CFPB. 

Assistance is greatly appreciated. 

Warmly, XXXX
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK (CA)

This account was established over 10 years ago. I closed it by choice between XX/XX/XXXX and XX/XX/XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XX/XX/XXXX. In XX/XX/XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.
Consumer complaint received 2017-04-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I have asked for a loan modification from Specialized Loan Servicing regarding a 2nd mortgage on our home. They sent forms w/instructions to fill out which I have done ( 3 times ). They send to me documents showing every thing is completed and no action needed except for a copy of my wife 's pension annuity letter from the XXXX. Copies of my wife 's annuity reward letter as been sent to them 3 times and now I am sending it for the 4th time for they keep saying they did n't receive all the pages. They have received them and they are either incompetent or they are stalling on purpose. I did a XXXX search on line and found hundreds of people are having the same problem with them. They claim they can modify the mortgage but seems they keep stalling until the time to do so runs out. I have been in this process with them for over 3 months. If not modified this loan will go from about {$120.00} per mo to $ XXXX.per mo. Do to a serious hardship we had during XX/XX/XXXX & XX/XX/XXXX we just cant swing that right now. we only asked for 2 yrs up front to remain under same terms as is now and give us that 2 yrs to get it paid down so the remaining 10 is more realistic. It seems they would rather force us out of our home. We have perfect credit and have never missed a payment on any loan or credit card in our lives.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I leased a new car from XXXX XXXX in XX/XX/XXXX. After 90 days the dealership I purchased from contacted me to say they made a mistake with the Vin #. I brought the car in and had to re-submit paperwork for the lease. XXXX XXXX then confused my account with another account that had been delinquent. As a result XXXX issued a negative hit on my credit file. Of the XXXX major credit reporting agencies Transunion was the latest to report an issue on my credit file. Now it is my 4th time going back to them to dispute the information from XXXX XXXX. The first time they corrected my file then reversed it to the original inaccurate information. I went back a second time, they corrected it and then omitted that I was paying off an installment loan to XXXX XXXX that Transunion themselves said affected my FICO score due to have no installment loan info! I went back a 3rd time, it appeared both issues were corrected and in XX/XX/XXXX received documentation from Transunion showing everything correctly. I checked my credit report via XXXX, that allows my to see the XXXX major credit reporting agencies and noticed once again Transunion how a late payment noted on my credit file that I had previously resolved with them! Reversing for the 2nd time information previously corrected! Tonight I sent my 4th dispute online with Transunion. XXXX credit has corrected my information, I assume at this point that Transunion is clearly inaccurate and incompetent. This is the worse experience I have ever had with a credit reporting agency.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In my first letter dated XX/XX/XXXX I asked Transunion to remove a XXXX mortgage loan because the balance is XXXX the account opened XX/XX/XXXX has had no payments since XX/XX/XXXX. This is over 7 years and must be deleted from my Transunion credit report. They responded by not removing the item and not giving me any reasons. In my second letter I asked eight specific questions, and to date have not received any answers. Three months is too long a time to not received any answers. Please ask them to removed this from my credit report.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: National Student Debt Advisory Corp. (MI)

On my iPhone device, using XXXX browser I searched for " XXXX '' in XXXX Search. Several numbers came up for XXXX. They were in the form of a click-to-call. I called what I thought was a XXXX Student Debt Advisor ( SDA ). The man I spoke to was very knowledgeable about loans and the repayment process. He had no accent, spoke clearly, confidently and professionally. I asked to setup monthly payments. He gave me advice about how to handle my student loan debt., helped me set up direct deposit from bank acct., he gained access to my XXXX account. He told me that my loans were past due and that I needed to make a payment as soon as possible. He sent me an email with a service agreement to sign and another email with links requesting me to provide additional information. Please note, all emails and documents he sent were well polished and used legal terminology. When I did n't complete the request for information, he sent text message reminders to me. I tried to call XXXX directly to confirm whether or not this was a legitimate company, each time I called I would ask a XXXX representative if this SDA company was legitimate and the XXXX Rep sounded like they were new hires to XXXX, did n't know about XXXX enough to give me an answer and did n't seem concerned. They would put me on hold then transfer me to another XXXX Rep that was just as uninformed as the last. When I finally got ahold of a knowledgeable XXXX Rep they told me it was possible that this SDA company was fraudulent and had no record of all the times I had tried to contact XXXX directly. I asked the XXXX Rep who I needed to contact to report the fraud, the rep did n't know. XXXX never followed up with me to ensure my identity and sensitive information was safe or to check whether the fraud alert was taken care of. When I voiced my concern about a possible fraud on my account, we would get disconnected and XXXX never called back. When I did n't respond to the SDA " XXXX '' the supposed student debt advisor called my phone to remind me to complete the information so my loan would be paid on time and would n't acquire any late penalties. When I told him I did n't believe his company was legitimate, he had a supposed " manager '' call me and say that they were a partner company to XXXX and they were not sure why the XXXX representatives did n't confirm it. They told me they would call XXXX directly to work out the issues and call me back. Meanwhile, I finally got ahold of someone from XXXX, who was able to confirm that the SDA was not a legitimate company and referenced me to a place I could report it. Finally, 16 days later, I am able to provide a report on this illegal company called SDA. If XXXX Reps had been more knowledgeable when I first called, I would have been able to address this situation immediately. However, because it was so hard to get ahold of a knowledgeable person from XXXX, my information has now been compromised for the past 16 days.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALTERNATIVE DISPUTE RESOLUTIONS (AL)

Received a call from XXXX stating that they have a warrant for my arrest for a loan that I defaulted on back in 2013. The caller stated that in order to resolve this matter I can speak with the third party company and try to resolve the issue. I received the # XXXX and spoke with XXXX XXXX, at Alternative Dispute Resolution. She informed me that I owed {$1300.00} to XXXX XXXX XXXX XXXX and they want it in full. I informed them that I did not have that type of money to pay in full nor do I recall taking a loan out with this company. She then placed me on hold for 10 min. Returned to the phone to inform me that she can accept XXXX payments. I was then transferred to XXXX in payment processing. XXXX informed me that the only payment that would be accepted was XXXX and bank to bank transfer. the XXXX info that was given was XXXX XXXX XXXX XXXX, NY XXXX. Ref # XXXX my acct # was XXXX. This is the second call that I received from this company. I made the mistake of sending them {$750.00} via money gram before. This is why I am making everyone aware of this company. They refused to give me the company 's telephone number and stated that I can just see them in court.