davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (TX)

This company called Resident collect or resident check, says that I owe them money for an apartmetn I never lived in. They are still on my credit report and this is a four year old debt!! The statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ). I have never paid them, and when I dispute on my credit report, they have never reportieda change as far ast speaking with themthis from XX/XX/XXXXRESIDENT COLLECT INC # XXXX XXXX FWYSUITE XXXX, TX XXXX XXXX XXXX ) XXXX for Collection : XXXX : Individual AccountAccount Type : Open AccountLoan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated : XXXX Payment Made : XXXX Amount : $ XXXX Creditor : APARTMENT XXXX XXXX XXXX ( Rental/Leasing ) Past Due : & gt ; {$1900.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX of XX/XX/XXXXRESIDENTCOLLECT INC XXXX {$1900.00} as XXXX Collection account. {$1900.00} pastdue as of XX/XX/XXXX. 
In XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX identification XXXX creditorAPARTMENT-XXXX XXXX MonthsOn record untilMay XXXX limit ororiginal amount $ XXXX balance $ XXXX payment $ XXXX payment $ XXXX of XXXX reportedXXXX/XXXXResponsibilityIndividualCommentAccount information disputed by consumer ( Meetsrequirement of the Fair Credit Reporting Act ). 
Your StatementI HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of yourdispute in XX/XX/XXXX.
Consumer complaint received 2016-10-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (ME)

I am requesting your agency 's assistance concerning the actions of my mortgage loan servicer, Nationstar Mortgage ( " Nationstar '' ). On XX/XX/2016 I logged into my Nationstar online account to pay my mortgage, as I have done so since the company began servicing my loan. I noticed the company 's website had changed since I made my last payment in XX/XX/XXXX. When I brought up the Payment Overview screen, I noticed a charge of {$520.00} in fees. I checked several of my past monthly online statements and noticed the company charged a late fee in the amount of {$57.00} each and every month. 

Prior to XX/XX/XXXX the Payment Overview screen showed the following categories : Payment Amount, Transaction fee ( {$9.00} ), Additional Escrow and Additional Principal. While I ca n't access the old payment screen, I did locate a payment confirmation email that includes the aforementioned categories. At the company 's encouragement I switched to paperless statements shortly after Nationstar modified my loan and I paid my mortgage within 30 days of the due date. When I made my prior monthly payments, I assumed that all charges were included on the Payment Overview screen and therefore did not access the online statements every month. I have attached copies of the Payment Overview screen, online statements for the last three months, the Payment Activity screen, a payment confirmation email from XX/XX/2016 and a payment confirmation email for XX/XX/2016 for reference. 


After making my payment I called Nationstar and spoke with XXXX. I told her that it is not fair to charge a customer fees or any other charges due ( including those accumulated in prior periods ) without showing them in the current Payment Overview screen. XXXX said it is the customer 's responsibility to review all documents " made available and include them in the payment. '' I asked XXXX why the company was able to list transaction fees, but did not list any other fees on that same screen until it discontinued the transaction fee this month. XXXX said she would not waive any of the late fees. I then spoke with XXXX 's supervisor, XXXX XXXX. XXXX XXXX said the company informed me of the late fees in the " note. '' I have attached a copy of the loan modification documents from XXXX XXXX XXXX ( the prior servicer of the loan ) and Nationstar. Nowhere does it reference late fees nor a dollar value for said fees. XXXX XXXX became curt with me and said " I 'm not going to argue with you. ''
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I am being repeatedly called by Comenity Bank over a credit card that I am currently paying off. I am being called multiple times a day and they always call from an unknown number and only identify themselves as Comenity Bank after I answer. As of today I have been called 4 times. Once every 2 hours from an unknown number. When they call I sternly say this is harassment and before I can say anything else they hang up. They have gone so far as to call me after XXXX and on sundays.
Consumer complaint received 2016-06-11
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (OH)

SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with SW CREDIT SYSTEMS L.P.. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P. purport I owe. I request that SW CREDIT SYSTEMS L.P. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (MA)

GC Services ( XXXX ) called me, claimed to be representing XXXX XXXX, and offered to help resolve an overdue account. I do not have ( and have never had ) an XXXX XXXX card. After I hung up with them, I requested my credit reports and verified that no one has opened an XXXX XXXX account in my name. So the only other explanation is that GC Services was trying to scam me.
Consumer complaint received 2016-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I am a California based XXXX. My original loan servicer was XXXX, which sold to XXXX XXXX, and is now serviced by Navient. My problems began with XXXX XXXX. Every time I apply for a program to help me with my loans, XXXX XXXX and now Navient have consistently dragged their feet, lost my documents, and failed to respond to my pleas to follow through with requests for information and documents. 
When I started my XXXX, I was accepted to the California XXXX called XXXX. For each year of service XXXX, I applied for and a check was sent to my loan servicer to pay for a portion of my student loans. Each year the California XXXX XXXX XXXX needed XXXX XXXX or Navient to send them a loan verification form. I faxed the form, I emailed the form, and even mailed the form, and it was consistently lost and not returned. Only by requesting a fax over and over ( usually XXXX5 times ) would I actually receive any documents. 
I am now applying for XXXX XXXX XXXX through the federal program designed to help XXXX and Navient failed to forward me correspondence from my guarantor. They have admitted in multiple conversations over the phone today, XXXX XXXX, 2016, that they were negligent. I have requested for them to fax this to me, and have not received anything. I estimate that this mistake on their part has added XXXX8 weeks to my XXXX application, and the interest on my loans has been adding up. I believe that the interest accrued to my account from the day Navient failed to forward me the letter from my guarantor, to the day I receive that letter should be credited to my account. 
If you are a loan holder and are reading this, please know that Navient will do nothing that you ask unless you call, and write them, and complain to the consumer financial protection bureau.
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ORG GC GP BUYER, LLC (CA)

XXXX XXXX called me at XXXX on XXXX/XXXX/2015. I did n't recognize the number, ( XXXX ), so usually let calls like it go to voice mail. This time I made the mistake of answering. XXXX XXXX threatened to have me arrested for non payment of an overdue bill from some Bank. He would not give me the name of the Bank, but said I owed over {$30000.00}. I told him I owed no one money or anything else. XXXX XXXX XXXX said he would have me arrested, take me to court, and send collectors out to my residence to take anything of value. He insinuated I had no parents, and I was a low life. I have seen the phone number about XXXX to XXXX times before, but just let it go to my answering machine, but no message has ever been left. These calls start before XXXX, and go past XXXX.
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Teller made a mistake depositing into wrong account. Deposit was made into joint account with my brother instead of joint account of me and my wife. The deposit was transferred to the correct account. For privacy issue with showing large account of deposit, I requested to remove incorrect deposit from the history and next statement under the wrong account. My request was not honored.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ORG GC GP BUYER, LLC (MA)

These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (GA)

I was racially profiled from the beginning of opening the account. I was told I could n't withdraw my funds when they were direct deposited. I was told I could n't get a Debit Card for the account until 90 days of the account being in good standing. 
I made a transaction to purchase a product online and the vendor never supplied the services and refused to give me a refund. Iberia Bank stated they will not Dispute it because the bank does n't trust they will get their money back. I have never been treated this way by any bank, this bank is racially profiling me as a client and on XXXX/XXXX/16 I requested they close out my account.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I have Navient, which is being sued by you all I heard. If you want my voice heard, you will hear it cause I cant seem to pay off this college loan that I have. I completed my XXXX with the University XXXX XXXX online program! I currently owe about {$16000.00} more dollars, but now it keeps going up and never down. I called Navient cause I have never missed a payment. However, cause I was paying {$260.00} a month, the interest which is about 8 % does not cover what I actually owe. In other words, Navient said in order for my loan to go down, i would need to pay {$500.00} a month. I cant afford that and I am drowning trying to pay off my other bills that I have all the while, the interest keeps building. The other problem is that i had my loans consolidated and they said because of that, its a fixed interest rate which I will have till I pay off this loan. There is absolutely nothing they can do to help this loan go away. They said there are no options for me. I can pay less, but if I pay less, the more I owe in interest! There is no way to change that. I have been with about XXXX other loan companies before Navient cause something happened to each company and were bought out by another company and have paid on this loan since 2012 I believe. From the beginning my loans were consolidated, but was never told especially now with Navient what my options were. As soon as Navient took over, i was not told what my options were, or if I could change anything to make it easier to pay off my loans. I feel cheated by Navient and the last few companies I dealt with. Also the University XXXX XXXX is a fraud! They use sales tactics to get you hooked in to enrolling you into college and use pressure with the loan comapnies. I regret ever going to college! They hooked me up with XXXX XXXX and that was the biggest mistake I ever made. I was given bad information by the university XXXX which led to XXXX XXXX which provided me with bad information and I feel cheated and deceived, and now that Navient took over, I feel no different! Now I am paying {$170.00} a month, and I am back up paying what was once lowered. I need help! I feel stuck and frustrated cause I am not able to pay off this loan that could have been paid off had it not been for the stupid interest rate! I feel for everyone else who is struggling! I thank you CFPB for this lawsuit on behalf of all of us who are struggling. Keep me informed about this lawsuit, how I can be part of it, and if this is a win, how I may get some financial relief from it! I tell people now, go to XXXX college and learn a trade or skill such as XXXX., dont go to learn and get a degree with no skill or trade! Its a waste of money and you will end up regretting it as I have with nothing to show for it!
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (CA)

In XXXX 2014, we filed for Ch. XXXX bankruptcy. Our home loan is included in the payment plan. M & T Bank is the mortgage servicer on the loan. My payments to the trustee are automatically deducted from every paycheck ( see " Payment Since Start of Case '' pdf, attached ). We were relocated by my job to CA and rented a home for 2 years. 

Recently, we moved out because the landlord is selling the home. We have been denied apartments because of the BK, and in this area, no one will rent a home to us because of the BK. Our only option for a home is to buy another FHA-financed home, which is justifiable for FHA due to the relocation. We are near the end of our home buying approval process and our new mortgage broker ( for the home we are trying to purchase now ) was notified that M & T Bank has been inaccurately reporting our mortgage payments to HUD, which is preventing the loan from reaching final approval with HUD. 

We called our assigned M & T Bank representative, XXXX XXXX, who admitted a discrepancy with the account. XXXX XXXX says that M & T Bank internally views my account as " in default '' even though I am in a Ch. XXXX payment plan. He could not explain the discrepancy between their alleged claim of default and my up-to-date payment ledger ( continue reading for the name of the attachment ). After I told XXXX XXXX that M & T Bank is violating my rights as a consumer by failing to report accurate information to HUD, which is a governmental agency, management and XXXX XXXX told me that they are referring my case to their attorneys who will communicate with my bankruptcy attorneys. Attached, you will also find a document named " XXXX That document shows that I am not in default, as M & T alleges, and has a letter in which XXXX XXXX admits that my account is current. 

Attached, please find HUD 's response, requesting that we ask M & T Bank to correct its erroneous reporting ( " FHA answer re XXXX ). M & T Bank refuses to rectify the issue and/or send it through the appropriate channels to resolve the situation.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I contacted the company regarding incorrect charges on XX/XX/18. The company received my disputes on XX/XX/18. via certified mail. It is now XX/XX/XXXX and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2016-07-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Letter requiring your urgent wisdom and assistance because of the Harassing and Negligent acts ignoring all legal documents of resolve by the Bureau of Consumer Protection by : Di Tech Financial LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX Fax XXXX XXXX Account # XXXX There was a complaint registered by myself on XXXX XXXX, 2015 about what was then Green Tree Servicing, LLC - BCP XXXX. It stated that Green Tree reneged on a written mortgage agreement of payment. The result was that Green Tree DID NOT solve any of the issues but sold my account to DiTech Financial, LLC dispite the written resolution in the concluding documents of the complaint. I have not missed one payment, continued to pay DiTech, but they have continuously harassed me from the time they received my account with at least 100 calls per month and with each payment that I make I have still been penalized with so many late fees that it adds up to monthly payments. This is occurring even thought I have made over the required payment each month consistently since being pushed into this company. To make matters worst they have just sent me a threatening default notice without applying any of the over payment monies to the account. 
1. They have refused to follow the resolution of the case documented. 
2. They are still demanding another months payment or else. 
3. They are ignoring the over payment in my account 4. Keep charging me late payment on payments received as promised ( end of month ). 
5. Collecting these late charges until they become as big as monthly payments. 
6. Using the charges to push me into negative status and harassing default notice. 
I have followed all documents to the letter and number and Di Tech Financial, LLC as well as Green Tree Servicing, LLC before them have continuously ignored all the legal documents and aggressively done what they wanted, as they are now trying to force me to foreclose on my house. 
I seek your wisdom on this immediate matter as they, Di Tech Financial, LLC, is giving me 30 days in their latest harassing default letter to respond with a payment that is in error ( especially since on the day that their letter was created I MADE A DOCUMENTED OVER THE REQUIRED MONTHLY CONSISTENT PAYMENT. ) Eagerly waiting your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

I bank with Suntrust and this keeps happening. they will take the biggest amount from my account first then charge me XXXX per item that came in before the big amount. I have asked them if this is how banking regulations and its not but that is how they operate. So far they have taking XXXX for pretty much overdraft charges I want my money bank, they are also charging for extended overdraft charges.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (TN)

My complaint is that Suntrust bank has been processing my transactions in order from highest to lowest, rather than real-time. I further find them responsible for the following. 
a. Does not obtain affirmative consent from its customers prior to processing transactions that will result in overdraft fees ; b. Does not alert its customers that a debit card transaction will trigger an overdraft fee, and does not provide its customers with an opportunity to cancel such transactions ; c. Manipulates and reorders. Transactions so that it can increase the number of overdraft fees it imposes ; XXXX Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and, consequently, the amount of overdraft fees ; e. Imposes overdrafts and overdraft fees '' when, but for reordering transactions, there would otherwise be sufficient funds in the account ; XXXX Fails to provide customers with accurate balance information ; g. Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution ; h. Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions ; In lieu of the above on XX/XX/XXXX I contacted the bank for the overdraft fees against my account. Prior to this I received notice that no fees would be charged if I made a deposit by XXXX XXXX, XXXX : which I did for {$30.00} on XX/XX/XXXX to make my account in the black. 
XX/XX/XXXX Transaction Total Transaction : {$1100.00} Total Deposits : {$1100.00} My Actual Balance : {$3.00} Bank Balance : ( {$140.00} ) Bank Overdraft fees : {$100.00} A message was sent on XX/XX/XXXX based on this fact and that the overdraft was caused by in accurate information via my cell phone with amount available which caused my overdraft with details.
Consumer complaint received 2016-02-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: American Credit Adjusters (IL)

I have no idea if this is even legitimate, my bankruptcy attorney told me this could be a scam. American Credit Adjusters keeps calling me saying I owe a debt to XXXX XXXX, and I 've committed check fraud. I do n't have a clue what this is, and if it was legitimately mine, it was in my bankruptcy filing.
Consumer complaint received 2016-10-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (AZ)

In response to a previous complaint, AES says the loan was deferred, and again today they told me the loan was deferred. However, they charged {$3000.00} interest. Interest can not be charged on a deferred loan.