davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MI)

ACCOUNT NAME/ XXXX XXXX CREDIT CARD/ XXXX  Mastercard It's ridiculous any company employees would keep a customer on the phone so long they become ill. I've never in all of my years dealt with any company that penalize customers for paying off a credit card. This credit card company called XXXX does just that penalize you for paying your card off not only that they'll hold your payment when you pay with a debit card. Clearly this credit card company XXXX   would rather customers stay in debt and keep a balance instead of paying their balance off each month. Once this complaint is over and it may take a hit on my credit score but i'll surely be closing this account. 

OnXX/XX/2019 i made a payment for {$460.00} to my credit card. I made the payment well before XXXX XXXX CST/XXXX XXXX EST   so my payment should've posted at midnight yet it didn't. When i called in on XX/XX/2019 to see why my payment had not posted. I was then told by a representative name XXXX it would be on hold for 3 days. I asked him why and he continued to put the phone down when i asked. He provoked me to the point yes i became irate and asked for a supervisor. I sat on hold for 20 minutes because XXXX LIED and said i dod n't ask for one when i did. He finally got a supervisor who's name was XXXX as well. I asked this XXXX why my payment didn't post and he told me because i paid more than 50 % of my credit limit which my credit limit is {$700.00}. Then he tells me it didn't post but it will in 4 business days which this information IS NOT on their website, it's not in their terms and conditions, nor is it anywhere on their app that they will with-hold your payment if you pay too much or if you pay 50 % of your credit Limit. This makes no sense and the only time i've known for a company to with-hold a payment is when you pay by check NOT by debit card which are suppose to automatically post. Then the supervisor stated my payment didn't post because i haven't had my account opened long. This is very deceptive to customers to not have this anywhere the customers can read it or see it. 

I've included 2 screenshots. One shows the text message stating my payment had posted. The other screenshot shows the time frame for a payment to post which DOES NOT state if you pay too much they'll with-hold your payments.
Consumer complaint received 2019-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I'm on a income driven plan which is XXXX dollars and I make payments anyway but I'm being charged interest daily which appears on my credit report as a increase. I swear over XXXX has been added to my account. This has to be illegal. I'm trying to knock the smallest loans first but honestly daily interest is hurting me. What can be done?
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX   XXXX '' and " RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

1 ). Ocwen breached an existing 5 year loan modification payment plan without any warning or explanation - forcing me into foreclosure ; 2 ). Ocwen has " lost '' many of my submitted loan modification applications ; 3 ). Ocwen has denied / refused to accept my loan modification application saying " it's too late '' ; 4 ). Ocwen has placed " forced '' escrow accounts with respect to property insurance and taxes without my consent - forcing me into foreclosure ; 5 ). Ocwen has caused a wrongful foreclosure to be placed against my home where i have lived with my family for the past 19 years which has placed great emotional distress against myself and my family
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I deposited a check of {$7800.00} to my Bank of America checking account and the amount was available in my checking account the next day ( on XX/XX/2019 ). I had to return back money to the person who gave me this check, so I did online transfer of {$5000.00} to that person using XXXX ( on XX/XX/2019, there were 3 XXXX transfers made of {$2500.00}, {$2400.00} and {$10.00}, totaling {$5000.00} ). But, after 5 days the check that was deposited was bounced by my bank saying that the source bank ( XXXX XXXX XXXX Bank ) did not honor the check. The check amount {$7800.00} was reverted after 5 days ( on XX/XX/2019 ). Bank of America misled me into believing that the check amount is available to me for use, when it was not actually available. 

I want my money back ( {$5000.00} ), which I was cheated of because of misleading information provided by my bank ( Bank of America ). 

Thanks!
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (TN)

My recent credit report showed a charge off for {$9.00}. It's impacted my otherwise good score. The charge off was from Choice Recovery. Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. My account is XXXX XXXX. 
I've never received notice or a call of an outstanding collection amount. I called them today and they advised that I owed an outstanding {$8.00} for my daughter 's treatment at XXXX XXXX  XXXX. Although I carry the insurance for her, I never took her to an appointment and agreed to pay any amount that may have been covered. My ex-wife would have done that and resolved with the provider. 

Any amount due would have been sent to my former address of XXXX XXXX XXXX in XXXX, GA. 
Again, I never received a notice as I haven't lived at that property for 5+ years. 
This collection agency wouldn't do the decent thing and remove this amount and had to follow up with the provider, but they couldn't even prove if I was listed as the guarantor for the bill with my address/signature.
Consumer complaint received 2019-03-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to XXXX XXXX and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (MD)

On XX/XX/XXXX, I disputed {$240.00} illegally charged without my consent for title and tags on a used vehicle I purchased. On XX/XX/XXXX, Discover rejected my dispute based solely on a signed receipt from the dealership. Accordingly, I faxed a more detailed letter with affirmed facts demonstrating clear and convincing fraud in the inducement as well as fraud in the factum. Discover refused to consider this additional information. Moreover, I have the right to an appeal to the dispute panel under the terms of my credit card but Discover is illegally stonewalling my attempt to continue the dispute.
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

I got scammed in XX/XX/XXXX when I wanted to buy a XXXX XXXX for my cousins birthday on XXXX marketplace. I saw one selling for {$200.00} dollars from a user whose account has been active since long ago. I talked to her and she said she would be happy to send the XXXX XXXX by delivery using XXXX. So the next morning she texts me early and says shes about to send the XXXX   and sends fake pictures of her at a delivery place with the console. She then says her XXXX account wasnt working and to use XXXX. I never used XXXX before but my bank had an option for it, so I trusted it. I sent the money and she kept telling me to wait for the tracking number that never came. She gave me her real phone number as well to send the money to and I have found her personal XXXX and XXXX  using that info. I have messaged her but she says she will send police to me if I message her any more. I am completely devastated and really sad that I couldnt gift my cousin this year with the hard money I worked for in my part time job.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, 60 days late as of XX/XX/XXXX, and another 30 days late on XX/XX/XXXXI am not sure how this happened. I believe I made my payments to you when I received my statements. My only  thought is that my statement did not get to me.
Consumer complaint received 2019-04-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (GA)

So, my account was sold to another company, and Ditech Financial stated they mailed me a check for the overage on my escrow when sent me my end of year Financial Escrow Account Disclosure Statement, which was well after XXXX when I received it. I called them shortly after I received the statement in early XX/XX/2019 to find out where my check was and after waiting fifty nine minutes and thirty-six seconds I was finally able to speak to someone. She took my information and said she would send me out another check. Well, it now XX/XX/XXXX, and I still do not have a check ; however, what I do have is yet another Financial Escrow Account Disclosure Statement dated XX/XX/2019, stating a check was sent. I still do not have my overage check in the amount of {$140.00} that I have supposedly been sent twice now. I
Consumer complaint received 2019-05-16
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. (LA)

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (MT)

XXXX XXXX Student Loan Servicing with SunTrust Bank was paid in full nine months ago when XXXX XXXX XXXX XXXX consolidated my loans. XXXX XXXX is reporting that it is paid in full. But XXXX XXXX is double reporting- again under XXXX XXXX Suntrust. This the same Parent Plus Loan. XXXX XXXX is only reporting the {$16000.00} paid in full. They don't mention the additional {$4600.00} in student loan interest they collected. I I do not own SunTrust but since XXXX XXXX got paid, SunTrust has begun reporting the account as Open and Delinquent. 

I called XXXX XXXX/ SunTrust , Recovery Default XXXX and XXXX   XXXX XXXX XXXX . Until they ran of resource to send pass me off to. All contracts state that there is no evidence of an account with them. Because I don't have one. But no one knew who is responsible to correct my credit report. 
However, I am getting turned down for credit. My bank states that I would have excellent credit if SunTrust would take the Delinquent Status off my credit report.
Consumer complaint received 2019-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Collection Bureau of America Ltd. (CA)

I got an installment loan with a company that provides water dispensers at the beginning of the year XX/XX/XXXX, I believe I was supposed to get the first month free and then start receiving a bill for the dispenser.I got the dispenser from a stand that was setup inside XXXX supermarket, I contacted XXXX and they informed me that the company was separate from XXXX itself. I never received a bill from the water dispenser company and when I asked the delivery driver who drops the water off for info about the dispenser, I was told he would put in a request and I should receive a call from them. I never got a call and then because of my wife being in the XXXX we were relocated, and moved from that address in XX/XX/XXXX. I did not realize until a few months later that something was added to collections on my credit. I called the company who owns the loan now and tried to explain the situation and they just wanted me to pay for the loan. I don't even understand how the dollar amount of the loan got to where it is now when I was never given a breakdown or any information on what the loan total would be.
Consumer complaint received 2019-03-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter to XXXX XXXX and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

I filed a claim about SunTrust forcing me to pay a home inspection fee to have my PMI dropped even though my balance to original value had reached 78 %. They ignored this and forced me to pay {$450.00}. CPFB became involved and resolved issue and {$450.00} was returned. 
HOWEVER after thinking the problem had been resolved I received another letter dated XX/XX/19 stating that a {$450.00} appraisal fee was assessed and charged to my account. I was stunned, frustrated and at this point lost all faith in SunTrust and its ability to manage my loan without errors. I called The Executive Services Dept. The dept. that sent me the original letter dated XX/XX/19 saying the issue would be resolved and funds returned to me. I spoke with a man named XXXX XXXX who promised to get back to me to resolve this new issue. He NEVER bothered to return my call. 
I expected the new mortgage payment to reflect the removal of {$58.00} PMI amount. That occured for one month and then the payment went up higher than it had been while I was still paying PMI. I was told something vage about 'projections ' as well as an escrow shortage of {$450.00}. They have been aware of the change of insurance carriers for 3 weeks now which will result in a lower insurance rate by {$160.00} per year or {$13.00} per month. ( I have heard nothing from them ) AT THIS POINT I do not trust the lender to be providing me with an accurate accounting of what I actually owe monthly. Trying to resolve this myself when my calls are not returned leaves me no alternative but to contact CFPB again about SunTrust. I am a XXXX senior living on a fixed income, so significant increases and alleged monies owed with no solid or specific explanation much less this continued {$450.00} problem and being ignored have all caused me no small amount of frustration and concern.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NY)

I originally took out a loan for a property in XXXX XXXX  with XXXX XXXX XXXXXXXX. That loan was an adjustable rate mortgage. The loan was subsequently sold to Ditech. The loan is in the adjustment period and I would like to refinance it. 

The problem is that Ditech does not have a license to originate loans in XXXX XXXX. They can service them, but not originate or refinance them. 

Ditech 's solution to wanting to refinance my loan was to contact a lender in XXXX XXXX -- however, taking out a new loan is much more expensive that just refinancing. 

So the problem I am having is why a company can own a loan from a state in which they can not originate them? It leaves their customers with much less flexibility.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OR)

On XX/XX/2019 I was alerted to a Past Due notification from the FICO Credit Monitoring service for the above mention account. I called to dispute this information that was placed because the fact that I never applied or even applied for the Home Depot Store Credit Card. I was told that an investigation would be opened and looked into the matter. 30 days later I never received anything but was alerted once again about a Past Due payment this time a 60 day. I called and talked to the Fraud Department and was told that the investigation was closed due to the fact that I never disputed a single charge to the account. I replied that the whole account was fraud and that I never applied for the credit card. I was also made aware of a second Home Depot Store Card in my name. I was told that the authorized user that was on the account applied frequently using my information. I later spoke with the Fraud Department and was told that the account XXXX was deemed unsubstantiated for fraud because the person that opened the account was a family member and would have to handle it in civil court. They also stated that the account was opened fraudulently, but I was still liable. They reopened another investigation and as of the date of this letter it is in your recovery department. I received a letter dated XX/XX/2019  that deemed the account XXXX as unsubstantiated and now I am facing a 143 day past due violation. I was told by the Fraud Dept not to make any payments. The account was opened without my consent and I had no way to access the account because the mailing address, phone number, and email address was in my fathers name. I explained that my father passed away in XX/XX/XXXXand that if it wasnt for the fact that I had been alerted by the monitoring service I would never know that I had the account. I had no information regarding the account. My father opened an account with XXXX XXXX XXXX and I disputed that claim attached are the findings.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I previously filed a complaint against BSI Financial XX/XX/XXXX as I was not getting any monthly mortgage statements. My mortgage was transferred from XXXX XXXX to BSI Financial XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX and modified my mortgage XX/XX/XXXX. BSI acknowledged the error but never started sending statements to me. I received a letter from BSI 's attorney claiming I was 5 months late in my payments on XX/XX/XXXX. I have made my monthly payment of {$1200.00} every month since XX/XX/XXXX. The letter from the attorney stated my monthly payment had changed 5 times from XX/XX/XXXX to XX/XX/XXXX. Having not received my monthly statements I was unaware of the monthly payment changes. My loan is a fixed rate and fixed term so principal and interest will never change. The amount applied to escrow would be more than sufficient to cover my home owner insurance and real estate taxes. I was initally told that BSI Financial had no obligation to send me statements because of my bankruptcy status. My attorney forwarded an authorization to send me statements and a copy of Order Permitting Secured Creditors in Individual Cases Under The Bankruptcy Code To Provide Debtors With Monthly Statements, Payment Coupons and Related Notices Without Violating The Automatic Stay. After further investigation I was made aware that BSI Financial was purchasing Lender Placed Insurance even though I faxed my declaration page to them annually. BSI Financial also increased my covergage from {$220000.00} to {$340000.00} without my authorization or knowledge. My loan balance is approximately {$220000.00} and my home value is {$190000.00}. The cost of the lender placed insurance was almost {$1700.00} per year more expensive than my homeowner policy. This created a severe shortgage in my escrow which in turn created the increases in my monthly payments. BSI Financial continued to cash my mortgage checks and applied the payment as a partial payment. Without monthly statements I mailed a check and handwrote my account number, name and property address on a blank piece of paper. Over the 2 year period from XX/XX/XXXX to XX/XX/XXXX the my monthly payments according to their attorney created a 5 month delinquency. I through my bankruptcy attorney have been trying to get this issue resolved but BSI has not moved on it. I wanted to make a complaint against them through CFPB so I have it on record. In my opinion I feel BSI Financial has several legal and ethical violations. I am aware through RESPA that financial institutions are obligated to inform borrowers of any changes to monthly payments due to escrow overages or shortages. It is my intention to remain in my home but BSI would need to make credits back to my escrow for the egregious purchases of lender placed insurance. Having seen through CFPB that BSI Financial has other complaints similar to mine, I am considering consulting another attorney in conjunction with my bankruptcy attorney.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

I have mailed Equifax a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Equifax a letter stating pursuant to 15 USC 1681b that I have given no such consent for Equifax to host the alledged debt on my Credit report.