davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (GA)

On XXXX XXXX, 2016 I called my mortgage service provider ( Caliber Home Loans ) to inquire about the removal of PMI from my home loan. I was told by the Caliber rep that it could not be removed until 2 years of mortgage payments were made on this existing loan even though my current Loan to Value was less than 80 % of the current home value. After stating to the rep that I thought that this PMI removal requirement was weird, she agreed to send me me out the PMI removal package immediately. After 1 week of waiting, I call back Caliber to determine where my PMI package was at this point. I was told by this other Caliber rep today ( XXXX ) that this PMI removal package would not be mailed out to me until mid-XX/XX/XXXX due to the current overwhelming demand of this same request from other homeowners. At that point in time, I told the rep that I would file a complaint with the CFPB.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing statement — 
Company: Bread Financial Holdings, Inc. (PA)

Upon opening a charge account with XXXX on XX/XX/2017, I was advised that my statement closing date on this account was on the XX/XX/XXXX of every month and the bill due date being on the XX/XX/XXXX of the month. On the XX/XX/XXXX, I had a XXXX balance on this account. I woke up this morning to an alert from XXXX and XXXX stating that an account had been added to my credit report. Upon checking my credit report, XXXX had reported misinformation, stating that my balance is {$120.00} shooting my utilization of my credit cards from XXXX to 28 %. On XX/XX/XXXX, the date in which I was advised by several different customer service representatives that was my statement closng date, I had a XXXX balance on this card. I had not made a purchase with this account until XX/XX/2017. I then called XXXX again and spoke to a representative by the name of XXXX who confirmed that my statement closing date was in fact on the XX/XX/XXXX. She said " We report a couple days later. ", I then asked her what is a couple of days? SHe responded with " Ummm ... on the XX/XX/XXXX. '' I then told her that from the XX/XX/XXXX to the XX/XX/XXXX is NOT a couple of days and that it was in fact exactly 14 days ( 2 weeks time frame ). XXXX incorrectly reported information on my account to the credit bureaus in regard to my balance at the the time of my statement closing ( XX/XX/2017 ) and reported a balance as of the XX/XX/XXXX.
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I 've been enrolled in autopay for years in order to benefit from the .25 % reduction in the interest rate on my account. I am about to close my current bank account, and have already opened a new one - I tried to enroll my new bank account as my autopay account BEFORE cancelling my old autopay account on Navient 's website. That did n't work, so I called them around XXXX on Monday, XX/XX/XXXX and spoke to a woman named XXXX. She cancelled my autopay and said I have to login in 24-48 hours to re-enroll in autopay with my new account, and that this month I will pay the extra .25 % in interest because I am not enrolled in autopay. I do not feel I should have to pay an extra .25 % because their system is set up to NOT allow a seamless transition. I am prepared to immediately have a new account enrolled in autopay - but their system is not. They should not penalize me because their system is set up poorly. In fact, I am sure they do this in purpose to take more money from people. This should not be legal, if in fact it is. 
Additionally - if I should have waited until after my next autopay to cancel my current autopay account - the rep should have advised me to wait rather than cancelling my autopay.
Consumer complaint received 2015-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have enrolled in a debt relief program and the collection agency will not stop calling after given the number for the relief agency. My phone receives calls from XXXX-XXXX different numbers, over 5 times per day. I have supplied the collectors with the proper phone number to contact the relief agents but I am still receiving calls.
Consumer complaint received 2016-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

i never had a loan for XXXX college and now all this time they keep saying i do but no proof of master promissory note or exit counseling for loans for XXXX college. They are giving false information and do not want to provide provide proof i signed for a loan because i did not sign for a loan at XXXX college at any point .because they told me i would receive a grant for being homeless and disowned from family because of cultural reasons. now ten years later the Navient loan department ignores me hangs up on me and keeps beating around the bush and keeps putting me on defferement to collect interest and wont remove or give me proof of anything. and wont give me proof of my loan papers because there is none
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OK)

I received the loan from XXXX/Navient on XX/XX/2012. I began making payments almost immediately and tried to maintain a consistent re-payment of $ XXXX. It has been 5 years now and my loan is still in the high $ XXXX {$6000.00}. I have called Navient several times to try and figure out why it does n't seem like I 'm making a dent in my loan at all with all the payments I 've been making. Sometimes even paying more than the required amount. 
I have contacted Navient on numerous occasions to inform them of my financial hardships, attempting to lower my interest rate as well as my monthly payment amounts. All I was directed towards was forbearance ( pushing the payment due date back a month or two ). This was not my main goal, as I am and have been trying to pay this loan off for quite some time now. They always ask me if I 'd like to sign up for ANOTHER loan even when I call to get my current one resolved. I do n't get the sense they are eager to help me repay the loan or even work with me in getting it taken care of. It seems like any payment I make almost increases my loan versus decreasing it. I am running out of options.
Consumer complaint received 2015-04-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In a recent ( XXXX 2015 ) check of my credit report I discovered a derogatory listing from Portfolio Recovery Associates. This listing was been made with no notification to me and I did not receive my right to dispute. As I am unaware of any outstanding debts to Portfolio Recovery Associates, On or about XXXX XXXX, 2015 I made a written request for Debt Validation via XXXX Certified Mail # XXXX. I did not allege fraud or identity theft concerning this account. I was simply aware of any outstanding debt to this company. I have copies of this letter and proof of its delivery on XXXX/XXXX/2015 signed by XXXX XXXX. I received a response dated XXXX/XXXX/2015 stating if I wished to dispute the account to respond with a written request. 

Despite having already notified PRA of my dispute and request for debt validation I responded to the correspondence sending yet a XXXX Debt Validation request to PRA via XXXX Certified Mail # XXXX. I have copies of this letter and its proof of delivery signed for by XXXX XXXX also. In this correspondence I requested any documentation that there was a valid basis for claiming that I owe the alleged debt or a copy of a the last billing statement bearing my name sent to me by the original creditor. I also requested a basic explanation of how the alleged debt amount was calculated. 

PRA failed to cease all collection efforts until the full and complete validation was sent. On XXXX XXXX, 2015 a balance of {$3800.00} was reported which constitutes continued collection practices. Additionally at the time of my XXXX request the account still had not been marked " in dispute '' with the XXXX Credit Reporting Agencies. This was communicated to PRA in my XXXX request. 

In XXXX 2015 I made a final formal request that PRA provide me with debt validation of this alleged debt account within 15 days. I also asked that If they were unable to do so for them to delete the harmful item from my credit files. I sent this letter via XXXX mail ( Certified # XXXX ). 

PRA has failed to provide proper information regarding the debt. I am not aware of this debt and I would simply like proper information pertaining to it or to have it removed from my credit file.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Collection Consultants of California (CA)

I sent certified mail requesting that my account show proof that my medical insurance was billed by XXXX hospital for my visit on XX/XX/2015. Collection Consultants Collection Agency is billing me without having ever billed my medical insurance. I never received a response by mail from them in which I am entitled to. They ignored my certified mail and refused to show me proof that they billed my insurance prior to sending me to collections. My coinsurance would be {$75.00} ( real balance ) total and they are billing me an incorrect charge for over {$10000.00} plus {$1800.00}. I submitted all my documents showing my conversation with the billing office in which they stated they have my insurance and would bill them.
Consumer complaint received 2015-12-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been trying since XXXX of 2015 to have this XXXX XXXX XXXX debt taken off my credit report. I first contacted portfolio Recover in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the XXXX time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a XXXX later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I Initially contacted PennyMac to terminate my PMI. They are stating they requiring an appraisal even though, from what I understand, if my loan reaches XXXX % of the original appraised property value, they need to terminate immediately. My loan is currently ~XXXX % of the originally appraised value. 

They have not responded to me pointing out this law.
Consumer complaint received 2016-12-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a claim with Bank Of America regarding an individual stealing my cards and making transactions on my cards. XXXX card was approved while the other was investigated, upon speaking to the representative they went into my other account where it was proved that fraudulent charges were made and she overrode the decision on it when I did not authorize her to even investigate that account. She was very rude and condescending as well as extremely unhelpful. I kept asking for specific documents I would need to provide to show that these transactions were not mine and she was very vague. Now she 's going to re-bill my accounts and force me to make payments on transactions that I did not make nor authorize. It 's upsetting that all my other banks were very helpful while Bank Of America has been horrible. I got upset and hung up the phone on her because it was very obvious that she was not interested in helping me and kept making attempts to get me off of the phone. Terrible service and employee from Bank Of America.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am filing a complaint against Bank of America ( BOA ) Credit Card for re-billing a charge of {$380.00} to XXXX TX that occurred XX/XX/XXXX. ( Attachment Item 1 ). I had called XXXX from XXXX using my ( BOA ) credit card to re-book a flight back to the US from XXXX on XX/XX/2016 on XXXX airways. However, when I went to the airport and showed the authorities a copy of the e-mail that I received from XXXX, I was not allowed to board the flight back as the security as very tight at the airport because of the terrorism problems in XXXX. The airport authorities said I could not board the flight without a hard copy of the ticket. I tried calling XXXX from the airport but no one answered the phone. XXXX never even gave me a contact number of XXXX to call and get help. The sudden flare up of the airport security issue caught me by surprise and XXXX could have sent me an email warning me of the situation or even sent me an electronic ticket, but they did not do that. They were of no help after taking my money. Since I was unable to board the flight I had to call XXXX airways directly, to re-book a fresh return ticket for {$680.00} and I returned to the US on XX/XX/2016 ( Attachment Items 2 and 3 ). After returning to the US, I called BOA to complain about XXXX and BOA reversed the charges ( Attachment - Item 4 ). But in the recent BOA statement, this charge of {$380.00} was reapplied with no explanation ( Attachment Item 5 ). I was not given the opportunity to explain and send in the documents to BOA to prove to them why I demanded my money back from XXXX. I would like BOA to refund me money.
Consumer complaint received 2016-03-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

We have a mortgage through PennyMac. My husband has not worked for 5 years now and he is not really able to work now because of health issues. He called PennyMac and asked them about removing the PMI from our loan to lower the payment. In the conversation, the person he was speaking to told him that he would be better off if he missed a payment, that way he would qualify for some of the new programs that help people who are behind in the payments. So we talked about it and decided to do that and then we used the money to pay some utility bills that were in arrears. Then they told us that we did n't qualify for any of the new programs and started being very aggressive about collecting the payment that we missed. Now, each month, they show that we are 30 days late on our payment. That 's 4 months that we have on my husband 's credit that shows we are 30 days late on the mortgage which makes it so that we ca n't do a VA loan to get the PMI off our payment. This month they sent us a letter saying they were going to foreclose because of the missed payment. My husband told them he only missed it because they told him to miss it but they said " No, we would never have told you that. '' We do not have the money to make up the late payment, but there should be someway they could put that payment on the end of our mortgage and remove the 30 days late notices they 've been putting on our credit so that maybe we could refinance and pay some of our bills and still have a mortgage payment we can afford.
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Account Problem The problem occurred when my wife deposited XXXX checks in our Bank of America checking account on XXXX XXXX, 2015. She did so at our local branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The XXXX checks were in XXXX and totalled XXXX XXXX. Copies of the XXXX checks are attached. I told my wife to expect a dollar total of roughly {$1000.00} and I have attached copies of both a manual deposit slip prepared by the teller and also an electronic transfer slip, both totaling {$1000.00}. I checked my account later that day and saw a deposit of {$1000.00}. I have no idea why the cents should be different but this did not concern me greatly, I assumed that this was the deposit of the XXXX checks. I saw an unexpected correction of ( {$770.00} ) at around the same time and began to investigate this entry. When I called the service number on my ATM card I was told that it was to correct the check deposit which was only XXXX check and not XXXX. I was astounded and asked to speak to a manager to find out what was happening. I spoke to XXXX who confirmed the story about there being only XXXX check. I pointed out the deposit slips prepared by B of A in the branch and explained to her it was impossible for the XXXX check she could see to equal {$1000.00}. I explained that the deposit slip was proof that there had been another check and asked her if they could have lost it. She was indignant and told me she could do no more for me and I should go to the branch on Monday. I told her the bank had no authority to take money out of my account without my permission when I owed them nothing. I was extremely angry. Her response was- '' whatever ''.
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I 'm deputing the information with Bank of America, back in XXXX I close my account with them. Because Bank of America was charging me ridiculous fees of {$1100.00} amount on my accounts, I close my accounts and lift them XXXX XXXX, XXXX. And my accounts were in a positive status. 
A year later, I try opening up account with other banks and the banks would tell me that I was not approve, but I 'm thinking it has something to do with just my credit score being low. But has time progressed I notice from then I would have to check my credit report to found out about checking my credit score, and on my credit report. Bank of America had the these large ridiculous fees of {$1100.00} on my credit report and XXXX. And so I decided to try to find by calling Bank of America XXXX XXXX, XXXX, so the lady that I spoke with were in the XXXX. are telling me now that I have XXXX accounts XXXX now, not including the large amount for {$1100.00} .these fees are back in XXXX, XXXX
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (TX)

The XXXX collection items on my credit ... ARE NOT MINE AND WHEN I NOTIFIED MCM OF THIS THEY REFUSED TO GIVE ME THE OPPORTUNITY MY LEGAL RIGHTS. THEY DO NOT CURRENTLY HAVE NOR HAVE THEY EVER HAD MY CORRECT ADDRESS. XXXX THE WOMAN HUNG UP ON ME.
Consumer complaint received 2015-06-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

I never have had any credit cards in my life ever. This is completely id theft. I never applied any credit cards what so ever.I am a female with XXXX children 's and I never have had any job to support the credit cards payments etc. am house hold women.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My phone was stolen and whoever took it used my attached digital cards to pull out totals up to XXXX XXXX dollars in XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX - {$980.00} XXXX XXXX  withdrawal - {$500.00} XXXX XXXX  withdrawal XX/XX/XXXX - {$400.00} XXXX XXXX withdrawal XXXX - {$400.00} XXXX XXXX withdrawal - {$400.00} XXXX XXXX  withdrawal - {$300.00} XXXX XXXX withdrawal - {$1000.00} XXXX XXXX withdrawal Pending charges- XXXX {$1000.00} XXXX XXXX withdrawals- {$500.00} XXXX XXXX  withdrawal - {$300.00} XXXX XXXX  withdrawal Bank account is now sitting with a negative balance because of all of these fraudulent transactions not made by me XXXX XXXX the account holder.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

The Fair Credit Reporting Act ( FCRA ) allows the consumer to get a free credit report if an application is denied. However, the consumer can only get a free report from the credit reporting company that provided the report used by by th lender to make its decision. We were denied credit when American Express cancelled our account. Under law, American Express should have properly provided instructions for us as to how to request our report from XXXX or from XXXX or more of the other national credit reporting companies upon which American Express relied in its decision to not reinstate our account, which is legally of the same significance as an application for credit being denied and is therefore subject to this legal requirement. American Express has not done this. Furthermore, our account was cancelled in retaliation for us exercising our legal rights through FCPB. Our account was never charged interest, and all late charges were reversed. This shows we were never late, and the truth is we had a valid dispute that was never properly investigated. All we ever asked for was a line by line reconciliation of a total that was greater than actual charges that we made. We said over and over again that if American Express could show us what we owed and where the charges were, we would gladly pay them for these charges. We did dispute as well an unauthorized charge, which American Express paid, refusing to honor our wishes. We also believe American Express closed this account wrongfully so it did not have to pay out on our rewards points, and but for the crediting of the account of the late charge days before their closing of the account ( an admission we had a valid legal dispute ) we would not have made certain substantial charges on the account, and would have used cash instead. Also, it seems the complaint I made about this same thing on XXXX/XXXX/2015 has disappeared from this complaint process, and it was not a double complaint -- it was a first on the above subject.. So what happened to my complaint of XXXX/XXXX/2015? And XXXX more thing, the only way I ever get a response from American Express is through their response to this complaint process, and as you can see they state my letters will only be filed and not responded to by American Express -- proof again that American Express has refused to give us any answers about the fraud in this account from which they have benefited directly through collection thereon.