davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IA)

I have been making payments on a defaulted Private studen loan owned by Navient former XXXX XXXX, beginning XXXX 2013, in hopes to rebuild my credit. I was a XXXX XXXX student and have learned of their predatory charges as well not to long ago. Recently I reviewed my credit report and notice that the payments I have made were still being noted as Charged-Off ( CO ). I have tried to contact the debt collector, XXXX XXXX XXXX ( XXXX ) and was told they are suppose to note it as payments being made. I then contacted Navient, with a few run around, i was later told the only way it will no longer be noted as CO was if i paid the balance in full of XXXX. I 've contacted the credit bureau, XXXX, to get some insight and in hopes if the situation was disputable with no avail. Nearly after XXXX years of paying on time every month through their debt department of XXXX, my account is still in default until the balance is paid off in full. Once you 're in default, there is no way out, you 're stuck.
Consumer complaint received 2016-05-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

We applied for the Wells Fargo FHA XXXX in 2014. Our situation changed during the trial period and we were sure to submit all documentation to adjust our modification. Before we accepted and entered into the agreement for the terms of the trial period, I received a package explaining the terms. However, the documentation was not clear on the credit reporting after the trial period. So I called our Wells Fargo home preservation specialist to find out what happens to the credit reporting after the trial period. She explained that during the trial our credit would reflect late payments but once we successfully complete the trial period our credit will be updated to show that we were not late on any payments and that we were under a trial period. After successful completion of the trial our credit was never updated and I have disputed this with the credit bureaus as well has written a letter to Wells Fargo. Someone from the Wells Fargo Executive Resolution Customer Care and XXXX XXXX did contact me but informed me of the opposite. That our credit would be reported on-time moving forward not retroactively. I explained to him that this is not what was communicated to me initially and they I would not have agreed to those terms because I have a career that is effected by my credit. I was unable to resolve this issue with Wells Fargo. Furthermore, they failed to provide clear information on consumer reporting and this has negatively impacted my credit.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I spoke to a capital one rep that agreed to not report my Credit card payment late due to covid. Sadly they lied. I called them to let them know that it still showed on my credit and I was disappointed by this because I was informed that it wouldnt. I was then told its nothing they can do but I can file a dispute. The account is paid in full as I told them it would be before the next bill was due. I would like for the late payment to be removed because I was told i would not be penalized.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a complaint against the bank per se, it 's more a complaint about your regulation for this particular type of transaction. My friend was in desperate need of money and he asked me to deposit {$60.00} into his B of A account. When I presented B of A with {$60.00} in cash, they insisted on seeing my driver 's license and recorded my number in their system. They claimed this is a regulation from the Federal Government. I think this is absolutely ridiculous. Depositing {$60.00} in cash and recording that information serves XXXX purpose other than just more paperwork, and more useless paper-trailing and XXXX XXXX tracking. You 're not stopping any XXXX activity nor catching any XXXX by having them monitor a {$60.00} cash deposit. I would understand maybe if you had some kind of threshold maybe of {$1000.00} or something but me lending my friend a few bucks is no ones business. I like the idea of the CFPB, but your XXXX regulations like this make me want to side with some Republicans and get rid of your department.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc. (CA)

I WAS CHECKING MY CREDIT REPORT AND SAW THIS COMPANY, I HAVE NEVER HEARD OF THEM BEFORE, I TRIED TO CALL BUT THERE IS NO LIVE HELP, THIS IS IDENTITY THEFT AGAINST ME, I DID NOT APPLY FOR THIS AND I AM NOT RESPONSIBLE, THIS IS THE FRAUDULENT INFO I SEE ON MY CREDIT REPORT : Account info Account name KIKOFF LENDING LLC Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$55.00} written off. {$30.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$55.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$60.00} Terms - On record until XX/XX/XXXX 2029
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I currently have a case # XXXX if you look at this you 'll find that Bank of America is still charging a PMI on my mortgage even though I been into this mortgage going on XXXX years. I will go over this again. I purchased my home in XX/XX/XXXX I 've never been late or missed any payments. In XX/XX/XXXX I refinanced my mortgage using the same lending company as used to create the original mortgage. The cost for the home when I purchased it was {$180000.00} and I put XXXX % as a down payment. I now owe approximately {$130000.00} When I refinance it was HARP because my home is under water. My problem is Bank of America wo n't dropped the PMI because of my refinancing in XX/XX/XXXX, nor will they tell me what amount the mortgage has to be to eliminate the PMI. Bank of America wants me to pay for a home appraisal. Please tell me, am I being penalize for refinancing using HARP which is intended to help consumers like me. I 've read your bulletin about this several times and I ca n't see how this is legal. My email address is XXXX
Consumer complaint received 2016-08-26
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: PRIMARY RESIDENTIAL MORTGAGE (PA)

I have been dealing with an agent for a company called Primary Residential Mortgage and she has been giving me different and wrong information for months now. today she accused me of going behind her back and saying false things and told me that I need to be a man, that she does n't do business like that and that " she will not do anything for my loan and that ii could kiss my loan goodbye ''. I have been misinformed on numerous issues during my loan process and have been treated less than fair.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I have tried multiple times to work out a satisfactory arrangement for payments with Navient to prevent XXXX of my student loans from going in to collections. When I first took out these loans myself, I was not adequately informed nor understood all the terms, except the XXXX XXXX telling me to sign so I could start school. 

No matter how many options or managers or customer service staff I have talked to from Navient, they were not able to get me in to a program or lower my payment so I could afford it after a drop in income, they even went as far as telling me to borrow money from friends, or even more money from my parents to pay them. Even suggesting I use credit cards for the payments, which would only serve to push me further In to debt and make it harder for me to overcome it, going further in to debt to pay a debt is not a sensible or acceptable answer to a customer, or for a creditor to even suggest. 

I now have XXXX loan in default/charge off and another heading there, Navient has been completely unhelpful, has refused to work with me to a satisfactory conclusion for BOTH parties, not just them.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 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  According to:15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 

15 U.S.C 1681 SECTION 604 A. Section 2 It also state a consumer reporting agency can not furnish an account with my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) SECTION States : no consumer reporting agency may make any consumer report containing any of the following items if information, other thatn records of convictions of crimes which antedates the report by more that seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a concusmer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (TX)

I have received multiple calls from target red card services. I advised the rep if they would waive the late charge then I would pay off the full balance. The rep refused since I had been past due on my account. I discontinued call then on XXXX/XXXX/15 I spoke with a rep who refused to do the same. I said something off subject not offensive or rude or containing fowl language. He advised that we should conduct this phone call in a mature manner. I replied then hung up. i called back to ask for a manager and got XXXX employee id XXXX. She refused to allow me a manager XXXX in total. This is after advising her of my concern and request to waive late charges. She declined the request also. I advised at that time they no longer had permission to contact me on XXXX since it is a cell phone and they use an autodialer. She refused to remove the number based on the fact that satisfactory arrangements had not been made and my refusal to provide her with another number. I do n't have a non-cell phone number to provide her with since I ca n't have calls at work. My spouse is about to be laid off ... this is undue stress over XXXX dollars. She refused a supervisor stating that she was an account manager misrepresenting her position level. I advised the employee XXXX that is a title for a glorified CSR AND that I knew the law and fully intended to include all in a CFPB complaint. She advised that I would still get manual calls to my phone so I provided her with the number of XXXX since she continued to refuse to remove my number. I advised that it is a punishable fine or them to continue to call to which she continued to reply that no .. refusal to remove and so on. Please investigate this claim. This is ridiculous and these employees are misrepresenting themselves as managers and refusing manager or supervisor. In addition to refusal to remove my telephone number from their system which in fact a cell phone.
Consumer complaint received 2015-06-12
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, 2015 I reported to TD bank the theft of {$760.00} from my checking account ending in XXXX. Subsequent to my report to TD bank and police TD confirmed the theft by " skimming '' my debit card and credited my checking account {$750.00} on XXXX XXXX, 2015. 
Today XXXX XXXX, 2015 while checking my accounts at TD bank, to my great dismay, I noted that on that same date of XXXX XXXX, 2015, the thieves also debited {$740.00} from my savings account ( account ending in " XXXX '' ). I was unaware that this could have happened without a withdrawal slip but it did. I immediately called TD bank for help and XXXX filled out another dispute form. Despite the fact that all the illegal withdrawals were from the same area ( a place I have never been ) it went unnoticed by TD fraud unit as well as by myself. 
I still need to be credited in my savings account ( with lost interest ) for the {$740.00}. XXXX since XXXX XXXX, 2015. The facts surrounding the theft are the same, that is the same area and limits, so I should not have to wait as long for the credit I hope. I am asking CFPB to oversee this as I am afraid there will be a misunderstanding. I do n't want TD bank to think that they already credited me for the full amount. There are XXXX different accounts : the checking ( XXXX ) and a savings ( XXXX ) e.
Consumer complaint received 2015-04-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Platinum Holdings Group, LLC (VA)

XX/XX/XXXX I receive a phone from a Paralegal/Admin Officer name XXXX XXXX who states he works for company that collect debt for XXXX XXXX XXXX XXXX XXXX which I did owe. However I was not able to finishing paying because I lost my job around that time. Im currently working and I made arrangement with XXXX XXXX telephone number XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have been make payment arrangement to settle my debt with XXXX. XXXX XXXX states my last payment will be XX/XX/XXXX and they will email me the balance and completion letter so I can give this information to the credit bureau. However a few weeks back I receive a call from the real debt collection that handles Debt Collection for XXXX Jewelers. I spoke with XXXX XXXX telephone number is XXXX. She states that I fail to pay and settle for XXXX. I explain to her that I having been making payment and told her the people I 've been dealing. She research the matter and stated that they are a fraud/scam and been taking my money. I being paying more than I owed. She advised me to contact my bank institute to discuss this matter. I check my bank statement and the company that been taking my money is called Premium Asset Services recovery. She research that name and they are a scam as well. From XX/XX/XXXX to XX/XX/XXXX I have been making payment arrangement to a company that has been taking of advantage of me.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MO)

I have contacted this company over a month ago in regards to this account however they are still reporting the account incorrectly as an OPEN account. This account is NOTE open and should be included in bankruptcy as a CLOSED ACCOUNT INCULDED IN BANKRUPTCY.
Consumer complaint received 2016-07-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company (GA)

I originally submitted this to the XXXX and the Georgia Department of Banking and Finance. The GA DBF responded that they had no jurisdiction, and recommended that I contact you. The original complaint follows : XX/XX/XXXX I moved to XXXX GA from California, and purchased a home. It was initially financed by XXXX XXXX. For the record, I have made every payment on time, without fail. XX/XX/XXXX J G Wentworth apparently purchased my loan or purchased XXXX XXXX. Since that time, I have had nothing but trouble with Wentworth. I am a XXXX Veteran, and as such, I pay no property tax to XXXX County. I have furnished Wentworth with the appropriate documentation certifying this. Today, for the fifth time, I was on the telephone with Wentworth, trying to get them to understand that I pay no tax. Why, you might ask, was I having this conversation? Once again I got my payment notice, and ascertained that my payment was going up, because of an escrow shortfall. The shortfall was due to the need to withhold for property taxes. After spending 25 minutes on the telephone with Wentworth 's representative, I asked to be transferred to her supervisor. After being on hold again, this time for ten minutes, a person purporting to be a supervisor came on the line. I explained to him the circumstances, and that I could not seem to get through to his representative that as a XXXX veteran, I do not pay taxes. His statement to me was that the law required them to hold in escrow an amount to pay taxes to XXXX County. By his own admission, I have provided them with the appropriate paperwork, and they have also spoken to the Tax Assessor for XXXX County, to the effect that there are no taxes due on my property. Also according to this " supervisor '' if Wentworth does NOT pay anything to the Tax Assessor, any money held in escrow would have to be refunded to me. I asked him why, when he had all the documentation necessary to verify that I do not pay taxes, would they then withhold an extra amount to taxes. His answer was that the law required them to. After chasing this circular argument for several minutes, I asked to speak to HIS supervisor. I was told that he could n't do that. At this point, I was so frustrated that I hung up.
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (MO)

On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of XXXX ( XXXX ). XXXX alleges the original creditor was XXXX XXXX ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to XXXX. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from DYNAMIC RECOVERY SOLUTIONS ( DYNAMIC ). DYNAMIC alleges its client is XXXX, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that XXXX and DYNAMIC have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, DYNAMIC chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or XXXX, there was no validation of debt. 

It appears XXXX, XXXX, and DYNAMIC are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears XXXX and DYNAMIC are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported DYNAMIC to the CFPB previously.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I went in to XXXX to view hotels for the night XXXX. The prices were a bit on the high side, but I saw an advertisement for a Chase Co-branded card that advertised a statement credit of {$50.00}. The advertisement showed the price of the room I was interested in booking, the statement credit, then showed the price of the hotel room with the statement credit applied. This made more sense to my budget, when coupled with the promise of triple rewards points, and the price of the hotel going toward {$1000.00} in spend needed to get me to the XXXX free hotel rooms ( which I could use toward my upcoming honeymoon ), it made more sense. I applied and was approved for the credit card. When I clicked to return to the booking phase of my hotel purchase, it did not apply my hotel purchase to the credit card, no account number. I called into cardmember services who informed me that there was nothing that they could do. They suggested that I call back the next day and maybe the employees could help me call into XXXX to book the room. I did, and they did not. Multiple employees told me " this happens all the time with our partner cards. '' I feel that this is deceptive marketing. I am not getting the statement credit applied toward this purchase as the advertisement led me to believe, I can not get my triple rewards points toward another hotel stay, and it will not go toward my {$1000.00} required spending to get my XXXX free hotel nights or my XXXX bonus points for adding my fiance as an authorized user. Chase comes out ahead while I ran my credit for a card that is not going to help me in the ways the advertisement suggested. At this point, it is hard to put a dollar amount on what Chase falsely advertised. If I do n't reach my {$1000.00} in spend in 3 months I will miss out on my XXXX free hotel nights. This is at least {$600.00} with XXXX, not to mention a potential XXXX night ( {$300.00} ) with the XXXX earned for adding my fiance as an authorized user. Plus my plans are now changed because of not being able to book the hotel room at the price that was advertised.
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NV)

Updated info : Customer provided phone number receiving debt collection calls : XXXX. 

Updated info : I have not had any debts since I paid my mortgage in XX/XX/1993 so the debt is not mine and I have also received letters in the name of XXXX XXXX. I sent the letters back saying that person was not at this address. 

Receiving repeated calls from Dynamic Solutions Recovery Solutions, LLC Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. They finally left a message today after calling many times over the past several days. I have no debts, unpaid or otherwise and just wish they would stop harassing me for somebody else 's debt.