davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

I have been reported by TD Bank on XXXX XXXX,2015 and the information is inaccurate. I was offer an settlement offer on account ending # XXXX, in the amount of XXXX if paid by XXXX XXXX. I set-up XXXX payments to be withdrawn from an different account of {$37.00} which both payments has been satisfied by such date. I contacted TD Bank and explain to them that I was given an settlement to prevent further collections activity. I have spoken to several representatives regarding this matter and no resolution. I have been contacted by a manager and when I tried calling her back I have n't received a follow up called back from TD Bank. This account has been reported inaccurately. Please make necessary corrections. The account should be consider paid in full for the settlement amount I was offered {$74.00} ( +/- ). 

Also, I noticed on my report that account ending # XXXX has been reported for the incorrect amount owed at closing. The account was charged off with an outstanding balance owed {$450.00} ( +/- ) of which I have called the collections company to set-up payment arrangements. Please have amount corrected.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (TX)

I am disputing a collection report for the following reasons : 1. This is negative is continually being updated as a new event and really is not 2. I filed for bankruptcy back in 2004 in which all of my debtors were paid and I have since been discharged by the court. 
3. I have communicated this to the collector and have gotten no relief. 
4. It has been more than seven years since I first disputed this with XXXX
Consumer complaint received 2015-04-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CHECK INTO CASH INC. (SC)

I have paid back the amount I owed to the company I borrowed the money from, but they keep calling me and threatening to take me to court or jail and they threaten me about how much they can take from my check every other week I get paid.I was threaten that if I did not give them my bank card number they will take me to court and/or put me in jail
Consumer complaint received 2017-01-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

I was in the process of disputing an incorrect balance, {$400.00} with XXXX due to them misplacing equipment that was turned in after I canceled service with them. In the process I was turned over a collection company, Enhanced Recovery Company ( ERC ) and they placed the account with all XXXX credit bureaus. After tracking down the equipment, my balance was corrected, {$110.00} and paid in full. XXXX was suppose to send me a letter/statement as proof of the balance of my final bill and paid in full status so I can send to the Credit Bureaus and ERC to have this account removed/deleted entirely from my credit report but I have not yet received it. However, the balance has been updated with the XXXX credit bureaus as {$0.00} but it should not even be on any of my XXXX credit reports. If you would so kindly assist in this matter. It is negatively affecting my credit scores greatly. Payment confirmation number is XXXX paid with XXXX Rep. XXXX. Thank you
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Midwest Loan Services, Inc. (CA)

XXXX people just called me from XXXX. In talking with them I asked if they were recording the conversation ; they said they were. I told them that they had not informed me about that. They seem to think that when they initiate the call they are somehow not responsible to tell the consumer they are recording it. It appears they may have done this at least once back in XXXX, as this person just told me. This all relates to my previous complaint against them : XXXX.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

A delinquent account not belonging to me was linked to my credit report. The delinquent account belongs to another individual with same first/last name living in the same city as me, but different SSN. When I disputed it with the collection company, their response was that they confirmed that I am a current XXXX Customer which was initiated in XXXX 2012. Additionally, charges incurred in that delinquent account # XXXX date back to XXXX 2012. Neither parties have been cooperative in my attempts to clarify the confusion.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} and {$60.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 

Because of this my credit score has been drastically gone down. Please help me asap.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX around XXXX pm I made a cash deposit to my account in the amount of XXXX my balance was XXXX before the deposit was made and XXXX after the deposit was made. Check XXXX in the amount of XXXX had not been posted to the account yet because if the check posted to the account my balance would have not been XXXX after the XXXX deposit. After the cash deposit was made my direct deposit came in the amount of XXXX around XXXX which brought my account to XXXX. I went to the local atm and withdrawl XXXX which came to XXXX after atm fees. clearly on my receipt it states my avaliable balance is XXXX. I want to know why my account was charged XXXX in overdraft fees for a check that had the funds in the account to clear. When I spoke to Chase they stated their processing time is from XXXX But my cash deposit was made around XXXX so why didnt it post immediately. I need the fee reversed because this is putting a hardship on me and stopping me from paying bills because lost of money. If the check posted to my account before i made the cash deposit then i would n't have had XXXX plus my deposit which came to a balance of XXXX.
Consumer complaint received 2016-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

XXXX graduate with $ XXXX in student loan debt Accepted position with XXXX with consideration of Public Service Loan Forgiveness ( PSLF ) program Condition of employment also included Student Loan Repayment Incentive PSLF program and Student Loan Repayment Incentive only available to " eligible '' loans per Department of Education Successfully received Student Loan Repayment Incentive for maximum time of 2 years Per XXXX XXXX direction, tilized Income Based Repayment ( IBR ) Plan to make payments towards student loans since fully amortized monthly amount is unaffordable. Confirmed that IBR Plan was acceptable repayment method for PSLF IBR requires yearly application to ensure eligibility Each year ( 5 years ) IBR status was reconfirmed as well as eligible PSLF status Continuously received affirmation from XXXX XXXX representatives that my loans were being paid towards PSLF 6th year an online PSLF verification form became available Received sudden denial of eligibility for PSLF HOW? 
6 year XXXX with at the XXXX with all on-time payments
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

My husband passed away in 2005 and since that time, Chase Bank has been taking the mortgage payment out of my account but will not give me the credit for it. I have paid the mortgage down over {$330000.00} and asked Chase Bank to PLEASE put my social security number on the loan and submit it to the credit reporting agencies but they will not do it for me. They sent me a letter saying that " you 're not financially responsible for this loan '' but yet they continue to take the payment out of my account but will not help me by submitting this information to the credit reporting agencies so that I can improve my credit rating, which is poor due to the fact that I have a mentally ill child and got into trouble with my credit cards, which resulted in a poor credit rating. I asked Chase Bank to please put my social security number on this loan, took the death certificate in FIVE times and they will not help me. The home would sell for at least XXXX and I owe {$63000.00} on it, have paid them over {$330000.00}. If this were on my credit report, it would help me tremendously. I am a widow and on a fixed income. I need this credit. Why cant I get it???
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I was paying off my principle and interest on loans while I was actively enrolled in school. I read that by doing this my interest rate for future loans would be reduced rather than continuing to increase. However, my interest rates continued to increase significantly even though I was paying some of my loans off in full. They also did not provide loan repayment options, help with consolidation, or track my payments.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Countrywide Bank, now owned by Bank of America, did not provide ANY answers to my request for a loan modification in writing. The only resolution was done by phone and the employee told me several different answers as to the status of the loan modification. ( anything from " Yes, the modification was approved '' to " the modification is being reviewed and to check back with them in a couple of months. '' Employees that no longer work at Bank of America have stated, " The unilateral ploy to answer customers is to provide stall tactics. " ) Countrywide Bank is the originators of the loan, and I am claiming that they conducted themselves with predatory loan practices by artificially inflating the loan to benefit Countrywide Bank. 
The loan value depicted the value of the home, and it led me to believe that if Countrywide Bank would loan me the money for the home, then the home must be valued correctly, to the value that Countrywide Bank placed on the home at XXXX XXXX XXXX XXXX XXXX, CA XXXX, at the time of the mortgage. If the bank will loan me the money for the home, then great, they have a lot more tools and a lot more resources to identify what the true value of the home is. 
Following this valuation from Countrywide bank, the true value of the home was discovered by the real estate market to be much lower. The original loan amount was for approximately {$580000.00} USD, and the true value was found to be approximately {$250000.00} USD, Countrywide Bank artificially and intentionally, inflated the value of the home so that Countrywide Bank would be solely benefited, without assuming any of the risk or attempting to correctly value the home with the necessary resources that was available to Countrywide Bank at the time of the loan. 
By Countrywide bank and the new owners " Bank of America '' using stall tactics and other means to not move forward with a mortgage modification or some other resolution, they have placed me in a position of very few options and none of them that are offered will have me remaining in the home. Now the options are a " Short sale '' or " deed in Lieu '' or foreclosure, and the loan modification that was offered places the value of the home approximately {$800000.00} USD, which is no where near the true value of the home. 
Bank of America needs to establish a true value of the home, and since it is their fault for not providing a suitable loan modification so that I could remain in my home, and this will cause me to be homeless. I have no good options to place me in a home with even half of the square footage, and I claim that Bank of America should have criminal charges filed on them for Predatory Lending, and any other laws that they have broken with this mortgage.
Consumer complaint received 2024-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION (MD)

I am filing this case with the Consumer Financial Protection Bureau ( CFPB ) to address Navy Federal Credit Unions attempt to collect on a debt that I believe is being reported unlawfully. In 2024, I began disputing Navy Federals report of late payments and a charge-off on my consumer report after discovering legal requirements regarding when a payment can be legally considered late. Specifically, I have requested proof that Navy Federal mailed or delivered disclosures in compliance with 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date, as outlined in 15 U.S.C. 1666 ( b ). Without this documentation, no payment should be classified as late. 

Despite my multiple requests, Navy Federal has not provided any tracking information or evidence of delivery for these disclosures. Instead, they transferred my case to an attorney, XXXX XXXX, for debt collection, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e and 15 U.S.C. 1692i. I received communication from this attorneys office that I did not request, which has further delayed resolution.

Its important to note that I do not recall receiving any prior communication regarding this debt collection attempt. Under FDCPA 15 U.S.C. 1692a ( 3 ), I am a consumer with a place of abode rather than a traditional residence. Thus, if Navy Federal sent anything to an address on file, I did not receive it.

I am attaching my original requests to Navy Federal, additional supporting documentation, and a self-executing contract designed to activate should Navy Federal continue withholding the information necessary to validate their claims. I respectfully request the CFPBs assistance in obtaining this proof, as Navy Federals lack of compliance constitutes a violation of multiple laws, including 15 U.S.C. 1681n, 1681o, and Titles 18 U.S.C. 1001 and 1006.

This unresolved issue has directly impacted my ability to obtain credit and represents a serious financial setback. I respectfully ask for the CFPBs intervention to resolve this matter as soon as possible. Thank you for your assistance in ensuring adherence to consumer protection laws.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I refinanced my mortgage with Bank of America paying off a mortgage with Bank of America on the same property, my residence. Because of their delay and mishandling of the transaction. my new loan closed with costs different from what was disclosed to me. As a result, I paid on both the old and the new loan for a period of XXXX months. My new mortgage was closed on XXXX/XXXX/15 but the old loan was not paid off until XXXX/XXXX/15. Requiring me to make payments on XXXX loans at the same time. Being charge with interest on XXXX loans at the same time. My efforts to contact both the servicing people regarding the old loan or the processing people on the new loan has dead ended. At this point, no one is responding or taking responsibility to correct this error.
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (CA)

On XX/XX/2017, I opened a XXXX account and switched Company 's since then but I was given a negative credit alert with a total of {$940.00}. I had contacted them at the time, a couple times, I changed Company 's and made arrangement to pay off the remaining balance. I was uniformed about my account as to what was going on since then. I didn't receive a notice. I have since moved from XXXX to XXXX.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX  continues to call me regarding my daughters debt. I am not an authorized user on that account.

They are harassaing me, calling multiple times a week. They have all of my daughters information, no need to contact me. They are also threatning and state that she needs to find legal advice.
Consumer complaint received 2015-12-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OH)

In short I was scammed, it was an over-payment set up. I was supposed to tutor this gentlemen 's daughter and his attorney was leaving for vacation so he wanted to send me a months worth of payment. His attorney had left in a rush and accidentally combined my check with the money that was payment for his daughters nanny. I was asked to deposit the check and send the difference to the nanny, thinking I would see her the next day at the first scheduled session I did n't think much of it and sent it via chase quick pay. The " father '' postponed the start date of the session and the following morning the original check I had been sent and deposited was returned because it had been altered.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX XXXX was requested to come to house to service a XXXX range top under guarantee, the Tech was very rude and we asked him to leave our home. A few weeks later we received a bill fron XXXX, we thought it was a mistake as XXXX had sent them. We were finally placed on collection, we contacted XXXX and paid the bill over XXXX months ago. We are still receiving letter from Transworld Systems Inc. We would like to complain about Both company. 
I had called XXXX times Appliance Service asking them to be removed from the list of debtor with no success. 
Thank youXXXX XXXX
Consumer complaint received 2016-06-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CT)

I have asked Midland Funding to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2015-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

At the suggestion of the New York Department of Financial Services, I am filing a complaint against Chase for arbitrary and capricious denial of Loan Modification relief in violation of Chase Bank Settlement decree entered into NYS Department of Financial Services Settlement Agreement, XXXX Consumer Protection. After 60 days of processing loan relief documentation, the only offer given to me was to sell my property. Lastly, I just received notice from Chase stating I have reached the end of my fixed interest rate period and they now have the right to adjust my interest rate as they seem fit.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (FL)

I responded to American Express Delta card invitation and I meet there requirement but they refuse to award me the promotional which XXXX XXXX miles and {$50.00} credit to my account when I spent {$2000.00} in the first XXXX months and buying a air line ticket on Delta XXXX lines. 
I spoke with CS several times and proise me soon will be corrected but nothing done I talked with XXXX a supervise and said will take a month to be corrected I waited a 45 days I called again and she dined that she was going to work on and fixed and said you revived this promotion before and nothing she can do. 
I had American Express Delta before but I lost it and closed the account seral month later they send me several invasions again so I applied and meet all requrement but now thy saying no. 
My question is why thy send me invitations when they no I am not qualified why they did not reject my application.
Consumer complaint received 2016-10-19
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (AZ)

I have a collection on my credit from XXXX XXXX. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. XXXX XXXX is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit
Consumer complaint received 2016-06-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RS Clark and Associates, Inc. (TX)

I was checking my credit score and I discovered that I have to credit under the name of " RS Clark & Associates '' ( see picture attache ). 
I never have been aware or notified about that. 
So I contacted them through their website and they answered with a website called " XXXX '' and they asked me to call them. Like that they can ask me questions but unfortunately I have hearing issue on the phone so I asked them to ask me their questions in the email and I will be glad to answer. 

No more answer since, but in " XXXX '' I found one Email address, so I tried again to contact, but still nothing.
Consumer complaint received 2016-10-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AMERICAN EXPRESS COMPANY (CA)

I have a closed account with American Express. I have been making my monthly payments. XXXX is now harassing me at work. I contacted American Express and although I am making payments directly to them they said there was nothing they could do.
Consumer complaint received 2015-11-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I continue to receive threatening letters from Transworld Systems in spite of the facts that:1. The debt was paid by check which was cashed on XXXX XXXX, 2015 ; 2. I telephoned Transworld Systems on XXXX XXXX, 2015 at XXXX PST and informed XXXX XXXX that the debt had been paid. She assured me the threatening letters would stop but I received yet another on XXXX XXXX, 2015.