davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I applied and received {$50000.00} from the Hardest Hit Principal Reduction Program. The money was sent to my mortgage come in XXXX 2014. The applied {$48000.00} and took the difference and paid my XXXX payment and applied some to late fees. In late XXXX the funds were reversed and sat in a suspense account and no one was able to explain why it was reversed. It was then applied and reversed XXXX more times and each time money was taken away from the principal. To date only a little over {$44000.00} was applied toward the principal and I was told they took the remaining {$5000.00} or more dollars and paid my XXXX, XXXX and XXXX payment which I have been paying my monthly mortgage. In XXXX explanation they said they were given directives to do it this way then they said they never received any doucumentation as to what to do with the money and it is their perrogative to do what they want and I have no say so in the matter. It is the least to say that this has been fraustrating. So many agents have been dealing with this matter that it is now a total mess and what seemed to be a gift to help with my underwater mortgage has now been turned into a nightmare. I need hellp being directed to the right agency who can speak for me.
Consumer complaint received 2016-11-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CT)

Went to Wells Fargo on XXXX XXXX XXXX in XXXX, CT to make a minimum withdrawal from my IRA. The person at the bank called the IRA department because she was having trouble completing the transaction. The IRA department told her that the IRA systems were down because the Bank was going through a conversion and told her to tell me to come back after XX/XX/XXXX.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On or around XX/XX/2023. I went to renew an expired ATM card. At citizens Bank. Address location, XXXX XXXX XXXX XXXX, New York XXXX. Phone number XXXX. 
The banker gave me a temporary ATM card and told me my new ATM card would arrive in the mail. About 10 days later, I received a credit card with a credit limit of {$3500.00} from citizens Bank!! I never asked for a credit card only a ATM card to replace my old ATM card!!. As a result of this fraud I lost XXXX points on my XXXX XXXX! This is fraud!!! I contacted a branch XXXX from a different bank who told me that it would not affect my XXXX XXXX it was a lie!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This is the test of the fax I sent to the company : I became aware yesterday that your company has reported my mortgage payment 30 days late on two occasions this year. I have never missed a payment and have access to bank statements to verify. This issue has impacted my credit negatively and I need you to correct theses negative credit entries immediately. I believe the problem that your company has considered non or late payments to be related to my impound account being re-evaluated and the payment increased as a result. I make all my payments automatically through my bank 's online bill pay feature. I suspect I missed the escrow payment increase notification but as soon as I became aware I increased my payment as well as sent additional funds to cover the amount that was behind. 
Your company has always accepted all of my payments including the extra {$220.00} to cover the impound escrow shortage. I have never failed to send a payment that included the full principal and interest due on my loan. 
Just to reiterate, this issue is extremely urgent as it is affecting my ability to secure financing today. I would really appreciate your response to me with a letter stating that the issue has been resolved and that the credit reporting agencies have been notified to remove the 30 day late notices from my credit reports.
Consumer complaint received 2016-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have Federal and Private loan on Navient. On XX/XX/XXXX I called Navient to get the automatic withdraw from my account on my private loan, then i received a letter that the automatic payment was cancelled, they add the wrong account and they did the automatic payment and of course payment was reversal. On the web site appear to pay only XXXX dollars ( all intrest nothing principal ) when my total monthly payment is XXXX, after serveral calls they told me that eveything is correct and i do not have any payment reveral and that i do not have any automatic payment. When i call customer services they told me that i have to pay XXXX for prvate loans but when call private loan department they told that i hav to pay XXXX. After several calls they told me that they will call me to verify my account and has past 2 weeks and i still waiting. Today XXXX/XXXX/XXXX i call and they told me that i have to wait. My due date to pay the loans is XX/XX/XXXX and i dont even know how much do i have to pay. I am worry about the payment reserval that could affect my credit, but as per navient I do not have any payment reversal or any late payment. Information on the web site is really innacurate with the information via phone. Fo a mistake of Navient employee of putting the wrong accunt number my loans and my payment are not correct. I have been paying this loans for years andi want this nightmare to end as soon as possible.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to file a complaint against Bank of America regarding a recent incident that has caused me significant financial hardship. On XX/XX/scrub> 2024, I deposited a check for {$25000.00} into my account, which I received from what I believed to be a private money lender. However, it turned out that the check was counterfeit and I was the victim of a scam. 

Upon discovering that the check was fraudulent, I immediately contacted Bank of America to report the issue and request assistance. However, instead of working with me to resolve the situation, the bank made a unilateral decision to freeze my account without providing me with any information or communication. This left me without access to any funds, including my direct deposit, which I rely on to pay bills and feed my family. 

Despite numerous attempts to reach out to Bank of America for assistance, I have received no response or support from the bank. This lack of communication and assistance has left me in a dire financial situation, with no means to support myself or my family. 

I am extremely disappointed and frustrated with the way Bank of America has handled this situation. I believe that the bank 's actions have been unfair and have caused me unnecessary hardship. I am requesting that the Better Business Bureau investigate this matter and take appropriate action to hold Bank of America accountable for their actions. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NY)

When signing up for a loan through XXXX I was told that I had one year to pay off a loan before the amount double. However, my account was transferred to Monterary Financial collection Services. I called Moneterey to settle the collection for the amount I was quoted {$1300.00}, however they said I owe double the initial price after only 3months. I would like to settle by dept before the 12month anniversary day comes.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I want to make a complain against Navient. I have been paying my school loans since I believe XX/XX/XXXX/XX/XX/XXXX and just recently in XX/XX/XXXX I lost my job. I called Navient to see if I had other options besides forbearance. They mentioned this would be my only option but this would still mean that my percentage rate will still apply every month regardless. Its frustrating to me because I have a very high interest rate that they wo n't allow me to change. So I am paying double at the end. When I did file for a loan I was not aware of how much interest rate I would get hit with. I am out of my wits with no help and a growing loan that has not yielded anything for me!
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (PA)

I have had an account for several years with XXXX, now Synchrony Bank. They are reporting to XXXX Credit Bureau XXXX Inquiries as 'regular inquiries ' rather than " account review ' inquiries. This is lowering my credit score. I have contacted XXXX and they tell me that I have to go to the company to have them removed. When I wrote to Synchrony Bank, I received no response. There is no reason for 'regular ' inquiries at all, muchless 'regular ' inquiries AND account review inquiries. They need to be removed immediately!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc. (NV)

My account has been passed from one collection agency to another. The lastest one is XXXX XXXX XXXX. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

We were issued XXXX refund checks XX/XX/XXXX for interest over charges on credit cards issued by Chase Bank USA. The refund check was due to the SCRA program. We received a XXXX XX/XX/XXXX for the refund payments. We are now being forced to pay income taxes on money that was not income but money we had paid to Chase Bank USA for interest.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VA)

I saw several charges on my Chase Bank credit card. I wrote the company to validate these debts. Chase did not respond. I wrote another letter. Chase refused to investigate fraud. I contacted the credit bureaus and the account was removed from my credit. Chase Bank reported the invalid debt to the IRS.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (OR)

Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX This debt collection company called my landline. The caller id displayed PRIVATE NUMBER XXXX. The voice mail they left was a robo-call identifying them as Convergent Outsourcing and that they were attempting to collect a debt. I do n't know what debt. When I XXXX the phone number on caller id, I discovered it was for XXXX in XXXX, Oregon. XXXX I also XXXX the collection agency and they are located in the State of Washington with no offices in XXXX, Oregon. They obviously spoofed a different business ' number in an effort to trick me into answering the phone. I am of the understanding that this practice is against Federal law, so I want to file a complaint. I will be mailing a Cease & Desist letter tomorrow but I still want to complain about the spoofing. I am retaining a copy of the letter and I am saving the caller id information and voice mail to prove my side of this story.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (DE)

XXXX has XXXX accounts in my name that were fraudulently created. I was working with their fraud department when they sent it to Convergent Outsourcing and refused to continue to work with me. The XXXX account number is XXXX for {$1200.00}. My id was stolen around the time this account was opened. Convergent says they will not even start a fraud investigation without a police report. But the Fair Credit Reporting Act does not require that I file a police report to report Fraud. They are in violation of federal law. 
The smaller XXXX account is XXXX for {$360.00} dollars Your complaint number is : # XXXX
Consumer complaint received 2015-10-08
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bliksum, LLC (CA)

LoanMe contacts me XXXX times daily from varying phone number area codes all day long. I have a receipt that states " Debt paid in full ''. This company contacts me after I have already emailed XXXX cease and assist emails. 

Additionally, this company continues to write emails and call me 24 hours a day.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I opened a checking account with Chase as I was changing jobs and it seemed like a good time to make the switch since they advertised a promotional free {$200.00} when opening an account and enrolling for direct deposit. I generated the coupon code and presented it to the banker before he opened my account and was assured that it would be entered. 

About a week after getting my direct deposit I contacted Chase asking when promotion would be depositied into my account, and provided the coupon code as well as the Date/Time it was generated making sure it was on my account. I was then told that since it had been over ten days that I would have to go to a branch, which I did. 

The branch acknowledged my coupon, and was unable to enter it and I was told to contact support. I contacted support back who thanked me for my business but that they could n't enter the coupon. 

I am in no way at fault here as the banker failed to enter the coupon ( yet it was acknowledged it was valid ) and that was a primary reason I opened an account with them in the first place. If you are going to advertise a coupon you ca n't simply ignore it and then say it 's too late when the time to notice it is longer than the time it would take to show up. It takes up to ten business days for it to be credited to your account, yet you have ten days to tell them to enter it ( after it was already presented )?
Consumer complaint received 2016-01-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America 's " Extended Overdraft '' fee of {$35.00} has ended up penalizing me {$70.00} for a {$9.00} overdraft. I 'm accept the original {$35.00} fee since the error was my fault, however, is n't Bank of America guilty of charging " excessive fees ''? I 've been with this bank for years and the bank can see when my payroll occurs ( bi-weekly ) and my deposit of my Social Security check on the XXXX of each month. The overdraft occurred on XX/XX/XXXX, since my XXXX check wo n't deposit until XX/XX/XXXX, there is no way for me to avoid the extended fee. My current balance is - {$79.00}.
Consumer complaint received 2016-08-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

This is a follow up complaint to case # XXXX. On XXXX XXXX, 2016 I received by US Mail an offer of settlement from Medical Revenue Service dated XXXX XXXX, 2016, ( See Attachment ). As previously communicated I contacted MRS on XXXX/XXXX/16 at approximately XXXX requesting a settlement. It was communicated to me that no settlement was available on this account. I can not help but ask how in a matter of 24 hours or less a settlement became available on XXXX XXXX but none was available on XXXX XXXX. That being said, I must question the integrity and validity of any communication I have with Medical Revenue Service.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

My student loan is with Navient, although I pay monthly at an 8.25 % interest rate, the principal never comes down, I 've been out of college since 1999, have been steered to go into forbearance at one time and still owe the same amount as 18 years ago!
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have many inquiries on my credit file that i did not authorize. on my transunion report there are reportings from XXXX CARDXXXX XXXX card- XXXX/XXXX/XXXX XXXX card - XXXX/XXXX/XXXX XXXX Auto - XXXX/XXXX/XXXX i contacted XXXX Card and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint