davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have disputed this alleged debt multiple times with the credit bureaus each time they allegedly verify this account is mine and reporting XXXX accurately. I have sent XXXX disputes via certified mail to Portfolio Recovery Associates as well and they have never responded or sent me any proof about the alleged debt they are reporting on my credit file.
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My Banking Accounts were suddenly frozen/closed by my Bank without NOTICE nor release of my cash/money within my accounts. 
I have checking, savings, ATM/Debt card, XXXX credit cards, and Bill Pay service. 
I also have Social Security Direct Deposit into my checking which they now have my money. 

All of which suddenly NOT allowing me to access my accounts/money.
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

They call, leave no message at odd hours especially on Sunday at almost XXXX XXXX. I have sent cease communication notice through my debt management program and they harass me and my elderly parents. They know this is being handled by debt management program and I am sick of them calling me. It is " Portfolio Recovery Services. '' Total scam, even tried getting my mom 's bank information and I live XXXX miles away from my parents and have n't lived with them in over 20 years.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

I have been making payments on my student loans for over 3 years. My balance has stayed the same and at one point increased from the original amount. At one point I had the loan paid down by {$1000.00} and Navient sent me a letter saying that I no longer qualified for some credits that I was receiving and added back almost {$1000.00} to my loan, putting me right back to where I was after paying on time every month for over 2 years.
Consumer complaint received 2016-09-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (FL)

I have a U.S. Department of Education federal student loan that is being serviced by XXXX XXXX and the guarantor is Nelnet. The total loan balance is {$3700.00}. The account number is XXXX. I applied for a XXXX discharge because I am XXXX, I receive {$1000.00} monthly in social security XXXX income and this is the only income in my household. I can not afford to repay the student loan balance due to my fixed income. I barely have enough money to buy food after paying for housing and utilities. I provided Nelnet with the completed XXXX discharge documents and a letter from the social security administration stating that my XXXX has been certified for 3+ years. Nelnet denied my request for XXXX discharge because they request a XXXX certification of XXXX years. I have spoken with the social security administration and they have advised me that there is no such thing as a " 5-7 year XXXX certification. '' I reported this information to Nelnet and they still refused to reconsider my request for XXXX discharge. The Doctor that previously certified that I am XXXX has retired and is no longer a practicing physician. Instead of acknowledging the 3+ years of XXXX ( + means greater than 3 years ) Nelnet insist on making my life a living by requiring 5-7 years of XXXX certification. Please note that I have received social security XXXX since 2005 - present day. I have been approved for my LAST forbearance and I am terrified of what the outcome will be when the forebearance ends because I can not afford to pay. 

In addition, my student loans are result of me pursuing a degree at XXXX University. I only took XXXX course at XXXX University, a For-Profit educational institution. The tuition was astronomically high. 

I am requesting that my student loan balance be discharged as a result of me being permanently XXXX and I am requesting that my student loan balance be discharged as a result of me accumulating unnecessary student loan debt because I was taken advantage of by a For-Profit college, XXXX University. 

I sincerely thank you!
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CO)

I have a collection from the State of Colorado for child support for my kids that are adults and I have been paying on monthly for over 20 years with no late payments. On my credit report it is reporting a XXXX balance of a collection from the state of Colorado and every time I try to call them they have no record of it but when I try to dispute the item with Experian to have it removed, it comes back verified. I 've never had a collection and I am still paying adult children. It is affecting my ability to get a home loan with this item still on my credit report. I need help in getting them to remove the item from my credit report with Experian. All of the other bureaus have removed the item from my report.
Consumer complaint received 2016-03-25
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: URS Holding, LLC (TX)

This collection agency has called numerous times after I have repeatedly told them to stop. That I am NOT going to pay the amount they say I owe. At this point they ANNOYING AND HARASSING ME. 
I asked for their address in order to send a written cease of communication notice and did not receive it.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (GA)

In 2010, I was granted a loan modification from Chase Mortgage. The mortgage stated that XXXX was " deferred '' with no terms for repayments. When I called and asked about the amount I was told it would be " forgiven '' after XXXX years of timely payments. No where in the loan modification that I signed has a provision for repayment and it is not included in the amortization schedule sent to me by Chase Mortgage. No where in the document does it state that I am to repay this amount as I never would have agreed to such an agreement considered my homes value had dropped significantly. Chase now states that I took out a XXXX mortgage/ piggy back loan for the additional XXXX which is simply not true. They are now holding me accountable for an amount that I did not agree to pay back. I need assistance in getting Chase Mortgage to hold up their end of my loan modification agreement. I am attaching the Loan Modification which clearly states my payment terms and amortization schedule as per Chase in which no where does it state provisions for repayment of this amount.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (FL)

I have another complaint that 's related, # XXXX. I tried to get my XXXX free credit reports because my FICO scores with XXXX of them were XXXX points different. But I was not able to get my FICO score from Experion without paying {$1.00} for it. At no time did the representative tell me that I was signing up for a credit checking service and she told me what to click and where. She never explained I 'd have to cancel the " free '' service within 7 days, nor where I could do so. They charged me {$21.00} for this service that I did not want, did not order, did not ask for, was never told about, and they would not refund the charges. This is the biggest scam going and these credit bureaus are what all the rest of the good people of this country are being held hostage by and being scammed on a daily basis. It 's no wonder the financial systems in this country are in major trouble. 
It 's shameful that people are being ripped off every minute by the XXXX credit reporting agencies that we 're all dependent on for obtaining credit and that this continues daily with no recourse.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (AZ)

I am behind on my mortgage payment and applied for assistance through the mortgage lender and was approved for a forbearance plan. I was also advised by my single point of contact, XXXX, to apply for HHF ( Hardest Hit Funds ) due to being unemployed, which I did ; and was approved. However, trying to reinstate my account to bring my account completely current and make full payments going forward, they have refused to cooperate because they are not participating in the HHF program through my state XXXX Arizona XXXX. I believe Freedom Mortgage would prefer me to make reduced payments in lieu of reinstating the account so they can foreclose on my home once the forbearance plan is completed. Once complete, all reduced payment amounts would become due at once, making it nearly impossible to pay in a lump sum once I regain employment, forcing my hand to apply for mortgage assistance, inevitably resulting in more fees, higher probability of default and foreclosure. I have escalated my concerns and request to management and spoke with a XXXX ( XXXX, ext XXXX ) who advised he would see if management could make an exception, but did not want me to contact the CFPB.
Consumer complaint received 2015-04-17
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (NY)

I opened a new CC account on XXXX/XXXX/2015. It is a chase XXXX XXXX card. They arbitrarily ( apparently computer generated ) assigned a billing cycle closing date of XXXX/XXXX/2015, so that my first payment would be due on XXXX XXXX, instead of in late XXXX. I called them on XXXX/XXXX/2015 at about XXXX. They agreed to change my billing cycle going forward to the XXXX of every month ( with another short cycle to XXXX ) but would not change the current bill. 
This is very unfair. They ought to either inform me up front about this, or be required to give the full XXXX day cycle. If they ca n't do that, then it should be a LONGER cycle for the XXXX bill, not a shorter one. For example, in my case if they wanted to end my cycle on the XXXX of every month, the XXXX cycle should end on XXXX XXXX, for XXXX days, not XXXX XXXX, for only XXXX. 
I also purposefully wanted a cycle that allowed this payment due date to be later in the month. My main CC due dates are early in the month, and I thought this CC would come due later in the month, to " spread the pain. '' Even though they changed it going forward, XX/XX/XXXX will now be difficult for my budgeting.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

I have complained about XXXX on my credit report with XXXX XXXX XXXX, XXXX from 2010. I threatened to file a lawsuit for a procedure he did on me personally and highly embarrassed me and I told him I was going somewhere else. When I did, the doctor said what he stated was wrong was not right and it was the WRONG XXXX. I advised him I would not pay the bill, I talked to him on the phone, he even called the second opinion doctor. He advised me he would remove the charges and I just got a copy of my credit report and saw this on there. I am fighting to have this removed. Please do what you can. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Phone number, Social is XXXX. Thank you!
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: New Century Financial Services, Inc. (NJ)

The company has sent multiple threatening letters indicating various grave consequences and presenting information in misleading ways. A previous letter they sent said failure to address a debt could lead to imprisonment. In their most recent letter, they state that they have no obligation to validate the debt as I requested in a letter to their office. I also informed the debt collector that the debt was most likely already out of the statute of limitations since the original judgement was made in 2004. They responded that debts can be valid for up to twenty years without confirming or denying whether the debt was ( 1 ) valid and ( 2 ) not outside the statute of limitations. They also claimed they have collected nearly 2k in a previous wage execution but I have no record in my bank accounts of any such action or event taking place.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

There are XXXX student loans and an account with XXXX and XXXX that have been disputed with the bureaus and the information varies on all three bureaus. The late payment months are different amounts etc., I then requested information directly from the companies and they have not responded at all. The address that were used for these letters were those listed on the credit report. It has been over two months and there is still no response. If the creditors are not responding to me the person that is suppose to be responsible then they would not reply to a true investigation from the XXXX bureaus.
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Arrived at XXXX XXXX from XXXX for a 4 day vacation on XXXX XXXX. The following day, XXXX XXXX, went to XXXX and when I attempted to pay with my Capital One Card, it was declined. I immediately called customer service and spoke with FRaud Supervisor XXXX who required I provide him with the place where my social security was issued and my driver 's license number. He informed me he would reactiviate my account. The reason the purchase in XXXX was declined was because I made a purchase in XXXX and now in XXXX. Later that same day another purchase was declined and when I called, I was told my card was compromised and nothing could be done until Monday to reactivate the card even though the questionable attempts to use the card were the only ones documented by me. Even though I informed XXXX and later XXXX that I will be forced to sleep in my car and cancel my vacation without the use of this card, they said nothing can be done until MOnday when management is present.
Consumer complaint received 2015-04-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

When requested, XXXX XXXX XXXX ( XXXX ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, XXXX did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. XXXX never forwarded or provided any proof, even after multiple requests. 

HSBC did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

XXXX never provided any verification documents even though it was requested on multiple occasions.
Consumer complaint received 2020-09-13
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: WELLS FARGO & COMPANY (AZ)

I am a victim of identity theft I have had Wells Fargo reporting a credit card on my credit report under my name for years now I have been disputing and going through the process to get this removed for a year now and it still has not been fixed
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I submitted a dispute to both XXXX and Experian online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, Experian informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. XXXX appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ XXXX ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- XXXX and Experian -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if Experian and XXXX want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are Experian and XXXX using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (HI)

XXXX XXXX offered me {$100.00} off the cost of a flight if I applied for the Citicorp credit card. While making a reservation, I applied and was approved. When it went to the cost of the ticket, no discount was applied. A few weeks later I received the card in the mail and did n't activate it ( I cut it up and tossed ). XXXX months later I received an email that I was past due for {$95.00} which it seems is an annual fee. XXXX months after that I began receiving phone messages to pay the past due balance. I called and explained to someone who managed to waive {$80.00} of the {$95.00} annual fee. They told me I had to institute some type of appeal process for the remaining {$15.00}. I told her forget it, go ahead and waste your money chasing me for {$15.00}. My credit score is around XXXX, so I do n't think that will bother the score. No apology for never discounting my ticket, I would have to call XXXX XXXX for that. Now the phone calls are continuing and I believe it constitutes harassment. My name is XXXX XXXX in XXXX, Hawaii. Not sure the credit card number as I no longer have the card.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I asked Experian to remove this old account number XXXX, XXXX XXXX Bank which does not belong to me and it is not attached to another account. Experian has not removed and I am within guidelines to ask for the removal of old accounts.
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NC)

Discover Bank has messed my account up once again by not talking to me as customer and has closed my account out without explaining any issues or talking to me as a customer. This bank has been absolutely horrendous. I have never had so many issues with a bank or been so disrespected in my life. This bank has no regard for me as a customer and will try to count my account as a charge off after denying me multiple amounts of information. Not accepting information that was sent to them. I spoke with the bank today XX/XX/2017 at XXXX by XXXX all access to my account was shut off.
Consumer complaint received 2015-10-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a saving account 5 year ago in HSBC XXXX and I have a XXXX credit card with them. I have more than 2 year without use my saving account because I supose that I will use my money when I need it. 
I have two months that I tried to transfer money to XXXX for XXXX friend before I came XXXX and I ca n't do it. I wrote and call several times to the HSBC XXXX and they request to me to send a letter signed with my XXXX copy in order to activate my saving account, I sent it since XX/XX/XXXX2015 by XXXX courier and was received ( I have the received confirmation ) and till now they do n't solve it. I went to the HSBC branch XXXX in California and they told me that they ca n't do nothing because my account XXXX. That is the big problem, because Nobody in HSBC do something to solve it. HSBC have a secure Internet system called " Contact Center '' which I always use to bring instructions to HSBC regarding security process like unlock my credit card to be used XXXX which I have plan to visit and for increase my daily withdrawal limit in ATM XXXX. All my data is linked to my accounts in HSBC XXXX the XXXX Card Credit and the Saving account ) that why I not understand how I can use my credit card ( I 've already purchased a mobile number here XXXX ) and I be personally in XXXX HSBC branch here XXXX and they have my saving account locked yet. I 've really facing off problem here because I need to have access to my money and make transfers to my credit card for buy food and I can not. Please help me
Consumer complaint received 2016-12-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

XXXX just took over the servicing of my home loan from XXXX. Previously it was free for me to submit payments by phone or online. XXXX charges a " Special Request Fee '' of {$10.00} for online payment, {$15.00} for pay-by-phone, and {$13.00} for Automated Phone System payment. This will increase my mortgage burden by a minimum of {$3000.00} over the next 25 years. It is free for me to mail them a check, or do automatic withdrawal, but I was previously able to schedule my payment online ... for free, and should be able to continue to do so as my terms should not be affected.