davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I was in XXXX XXXX bankruptcy and working full time for a government agency when payments were made to my student loan servicer. None of the payments that I made were applied as qualifying payments for consideration on my public student loan forgiveness. 

None of these payments were applied to my principal balance they were all applied to interest. 

Payments were made from XX/XX/XXXX through XXXX of XXXX. I believe these payments should qualify for the revised consideration for public service loan forgiveness program. I believe all the payments meet the revised standards for payment count toward forgiveness.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (TX)

I updated my phone and had to login on my new device. My number on the account was an old number so I had to change the number to verify account. Once I changed number, account was locked. My tax refund was deposited on my card. They closed my card with over 10,000 on my account & are not giving me options to receive the balance in a check form. Ive emailed and sent documents to verify identity & still no one is trying to send my money back to me.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

This is the second time this debt hit my credit score, below is a copy/paste which summarizes what transpired. Looks like XXXX decided to hire a new collection agency even though they acknowledged the debt is not real. The new collection agency ( Amsher Collection SE ) has not called me but has made a negative statement which hurt my credit. 

" This debt was the result of a double billing error from an old XXXX  Internet account. On XXXX/XXXXXXXX, I spoke with XXXX of XXXX, who confirmed that this was a double billing error and it will be removed. XXXX gave me the number for XXXX XXXX ; I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( Ticket # XXXX XXXX XXXX ) and I was told that the amount would be taken out of collections. Despite all my attempts to resolve this double billing error, XXXX XXXX XXXX continues to report this false delinquency on my credit report, they have contacted me by phone, and send me e-mails demanding that I pay a debt which they have acknowledged to be a double booking error. XXXX XXXX XXXX has caused emotional and financial damage due to my lower credit score ( which affects my interest rates ) and the stress that comes from receiving false collections requests. ''
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with XXXX XXXX XXXX since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for six months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted XXXX XXXX XXXXXXXX XXXX  XXXX, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per XXXX XXXX XXXXXXXX, but they are reporting a balance of XXXX to the credit bureau 's. XXXX XXXX XXXX game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both Trans Union and XXXX regarding my balance. They both conducted investigations. The results are per XXXX XXXX XXXX the balance is reported accurately. 

XXXX XXXX XXXXXXXX is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Hi and thank you -- -- iam living in Michigan and received XXXX  in past into a bank of america account and have a phone app to see amount etc -- - they recently transferred to another bank ( XXXX XXXX ) I don't have a tv and can't read all mail I receive every day and was under the impression that you could take your money out or they would transfer to ( XXXX XXXX  ) and I would receive a card I never did -- -- now for numerous weeks trying to contact michigan XXXX  which is very hard to do, well finally got through they say I need to contact bank of america and that they haven't taken my money, well when I look at phone app my money still there and I contacted bank of america they say I have to contact michigan XXXX  and so this has been going back and forth via phone calls and text etc when all the time iam almost on the streets iam a veteran but receiving no pension because I didn't retire from military but only working XXXX hours a week because work reduced hours covid situation so need my money yesterday -- -- - please help I tried to call you but not easy to get through to anyone so trying this method -- -- thank you so much XXXX XXXX XXXX XXXX this isn't just about a transfer but getting my money out of account
Consumer complaint received 2017-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and   XXXX   refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.
Consumer complaint received 2015-05-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Oracle Financial Group LLC. (TX)

Collection Agency ( Oracle Financial Group LLC ) would not make any payment arrangements with me unless I could make a payment today. They misrepresented themselves and indicated they were attorneys and not a collection agency so they couldnt do payment arrangements. They said my case would be turn over to my county and my drivers license would be suspended for 6 months automatically and my wages would be garnished. They clearly were n't following appropriate debt collection practices so was nervous about making any payment to them because they made numerous threats and false claims
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022, Refer to complaint # XXXX - I requested XXXX  XXXX  to provide me with the validation of debt Ietter that is required by law, section 809 ( a ) of the Fair Debt Colletion Protection Act. Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must send a written validation notice unless the information is contained in the initial communication or the consumer has paid the debt. XXXX did not communicate with me through mail do to the fact the address they have on the validation of debt document is not my address and the address IS NOT on my credit reports. I request a reinvestigation of XXXX XXXX. XXXX  XXXX  state that they mailed me a validation of debt letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The address that XXXX XXXX has on the document is NOT on my credit reports. I have attached the letter XXXX XXXX sent to the Consumer Financial Protection Bureau as evidence. I have downloaded the document and will keep a printed copy. XXXX  XXXX  have violated the laws 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692c - Communication in connection with debt collection - I have asked XXXX  to cease communication with me, but they keep sending me documents. If Transunion XXXX  XXXX continue to report this inaccurate information they are breaking these Fair credit reporting act laws.1681. Congressional findings and statement of purpose,1681b. Permissible purposes of consumer reports,15 U.S. Code 1681c - Requirements relating to information contained in consumer reports,1681d. Disclosure of investigative consumer reports 1681e. Compliance procedures,1681g. Disclosures to consumers 1681h. Conditions and form of disclosure to consumers 1681i. Procedure in case of disputed accuracy,1681m. Requirements on users of consumer reports. I HAVE ATTACHED THE XXXX  XXXX  DOCUMENT SHOWING THE ADDRESS.
Consumer complaint received 2015-11-28
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

I set up a payment plan with Transworld Systems which included a monthly payment amount of {$65.00}. The agreement was signed by me on XXXX/XXXX/15. The letter stated the following : On XXXX/XXXX/2015, you agreed to enter into a Loan Rehabilitation Agreement ( Agreement ) with XXXX ( XXXX ). Once your loan ( s ) is/are rehabilitated : Your loan ( s ) will be removed from default. 
Within forty-five ( 45 ) days of rehabilitation, XXXX will request all nationwide consumer reporting agencies to which the defaultwas reported to remove the record of default from your credit history, and provide notice of the rehabilitation to the prior holder. 
You will regain eligibility for remaining deferments, forbearances and other Title IV financial aid. 
An eligible lender who purchases a rehabilitated loan must establish a repayment schedule that meets the same requirementsthat are applicable to other Federal Family Education Loan ( FFEL ) Program loans of the same loan type, and must permit you tochoose any statutorily available repayment plan for that loan type. This means that if your loan ( s ) is/are rehabilitated, there is apossibility that the required monthly payment amount will increase. 

The payments were automatically debited from my account for 6 consecutive months. I contacted Transworld XX/XX/XXXX to inquire about the payments stopping XX/XX/XXXX ( when I noticed ). They could n't give me a definite answer and wanted be to restart the paperwork all over again. When I continued to insist on a more definite answere, I was told that they could not retrieve the payments from my checking account due to insufficient funds. That statement was completely false and a dishonest practice on their part. I was never contacted by the company about my payments after XX/XX/XXXX and my account has always had the funds available to make the monthly payment arrangement. To insist that I restart the paperwork all over again after only 6 months on the plan is completely unacceptable and disturbing. At the time I signed the agreement, I was told by Transworld that I would rehabilitate my loan after making 9 voluntary on time payments. I thought this was reputable company until this situation happened.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XXXX XXXX I noticed a charge on my bank account for Kohl 's in the amount of {$50.00}. I assumed it was fraud because I have not bought anything at Kohl 's on credit for many years. I got a credit card from them in XXXX and added them to my bill paying service at my credit union. I haven't used the card since the first time and always paid in cash for any later purchases. 
I called my credit union and thought I was reporting fraud when they told me that I had sent the {$50.00} through their bill pay service. They said there was no way to stop payment because it was sent digitally the same day, XX/XX/XXXX. Two different bank representatives said they talked with supervisors and one contacted the company that does that service for them. I would have to deal with Kohl 's directly. On XX/XX/XXXX I called Kohl 's and on the automatic system I was asked to input my social security number. I did this five different times and then the message said I would be transferred to an agent. It seemed clear that their system did not recognize my SS number. 
The agent asked for my account number. I told her that I didn't know the number, that the bank for security reasons only had the last 4 numbers on their bill-pay webpage. 
Then she asked for my phone number. I told her that I didn't think they would have my phone number because I got the account 8 years ago. But I gave her my mobile number and also my land line which I haven't had for several years. She asked for my email. I gave it to her and it turned out that their records had no phone number nor email listed for me. So I don't think they recorded those things when I got the card. It was one of those deals where I buy something and they say, If you sign up for a credit card, you get 20 % off today 's purchases. I probably used the card then and entered it into my list of payees on my bill-pay service of the bank 's website. At any rate, the agent said she could not help me if I didn't have my account number. 
The same XX/XX/XXXX I called an hour or so later, after talking again with the bank. The Kohl 's agent basically told me the same thing. Can't help me. 
On XX/XX/XXXX I intended to send a deposit for {$50.00} to a farm for purchase of a pig. The company is XXXX XXXX. Kohl 's is listed right after the Farm on the webpage. I inadvertently sent {$50.00} to the wrong company. 
On XX/XX/XXXX I got the idea to send for my credit report and found the account number for Kohl 's. I called again with the number and the agent said he found my account but nothing more. I tried to find out from him if Kohl 's does their billing inhouse or contracts out with someone. The answer I got was that payments on accounts go to Capitol One bank. They did not have any contact to give me for that bank. 
So I am appealing to you for assistance. My Kohl 's account # was : ( the account was closed ) XXXX.
Consumer complaint received 2017-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XXXX   XXXX  ,2015-   XXXX  I call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pa st 7 years old. no c hange on my credit report.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I had an in k Chase credit card and called to pay off the balance and close the card. I asked the cha se rep how much I would need to pay off in order to close the card and was given a payoff amount.     Following my payment, an interest charge a month later was charged to my account of {$9.00}. I did not know about this because i closed the account. This {$9.00} then got assessed late fee after late fee and was reported to my credit as delinquent. I now supposedly owe over {$200.00} on this closed credit card.      Chase has ad mitted that I called to payoff balance to close card but will not correct the issue. THey claim I should have known to ask about future interest - even thought I asked what I would need to pay off to close the account!     The payoff happened in   XXXX   XXXX    2016  and I am still being harassed about this balance and it is negatively affecting my credit.     Here is a transcript of the message left for me today : Hi good afternoon this messag e is ______ my n ame is  XXXX   XXXX  from  Chase  card services returning your request for a phone call. You have given us permission to give a detailed message which we are following up with your concern on  XX/XX/XXXX  about your ink account that is now closed more specifically about the fees that are in the credit report um now it was suggested to us that you were provided incorrect information at the time that you made your payment and you requested to include all future interest as well at the time of the call and that what we were actually able to confirm on the date of the payment in  XX/XX/XXXX  was that you did request to close the account and also request to pay off the balance which the specialist proceeded and processed the payment for accordingly. what we were able to confirm was that there was no discussion for any related to the fees there was no questions if you would be if there 's any fu ture ____ ____ ____ going to communicate that through your monthly statement __ ___ ___ ___ call r eview ____ we were able to determine no missed information _____ at this point your account is   XXXX   delinquent and he stil l have _ balance of {$130.00} that is still required please know what you do set aside this balance _________ will be a subsequent balance ____ interest that when __ called residual interest that will still be assessed ___ at the closing of your cy cle date _____ __ this case __ ___ paid on time they will be  XX/XX/XXXX  again we are aware that you are requesting to have these ________ __________ the cred it _________ correct based on our research which will be documented on the _______ there was no evidence of anything ____ ____ __ apologize _____ not able  to speak to you at this time but if you do need to follow up we have supervisors availa ble 24 seven  at  XXXX   ___ the number __ any back of your active check account thank you for your time ___ h ave a wonderful day
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XXXX   XXXX ,  XXXX  I was sent an affidavit by Ocwen stating that it needed to be sign in order to complete its evaluation of my short sale request and it was needed back by  XXXX   XXXX ,  XXXX .   My real estate agent  XXXX   XXXX  with  XXXX   XXXX  and I have been told as of last year that Ocwen has had all documents provided to complete the short sale and nothing else was required. Now we are being told that they need this document again. This is NOT professional on there part. As you can see I have attached the affidavit that was signed  XXXX   XXXX ,  XXXX .   This is my  XXXX  complaint with the Consumer Financial Protection Bureau regarding Ocwen and was informed in my first letter to the cfpb on  XXXX   XXXX ,  XXXX  I shall hear something back with in 60 days.   Am so fed up with Ocwen they have told my  Agent  and I that all the paper work has been received and that they been waiting on the Lender. This is a bunch of   XXXX   if this was true they would have not asked for me to sign an affidavit that was sign by all parties and summited  XXXX   XXXX ,  XXXX . Not only that but Ocwen has admitted to my agent  XXXX   XXXX  as of this year the paper work was never summited to the  Lender  instead it was with there underwriters still.   I am tired and can not move on with my life with this home being vandalized on a daily basis and being reported to the police. All this Ocwen knows but they keep saying its the  Lender in  which they are full of  XXXX .   What makes things worse my agent and I can not talk to someone that speaks English instead we get these workers from  XXXX  which is hard to understand what they are saying at times.   Please help am stressed out over this matter and all this mess is really uncalled for i f Ocwen did its work ri ght.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX   XXXX   XXXX   XXXX  show me being late on payment s 180+ d ays from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK USA/TARGET CREDIT sh ow me being late on payment s 180+ day s from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Consumer complaint received 2022-02-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

This conventional interest only loan started at 9 % through XXXX XXXX. The loan was sold to XXXX XXXX XXXXXXXX then Nationstar and then Mr. Cooper. I applied for a loan modification with Mr. Cooper after suffering a XXXX XXXX in XXXX of 2014. During the entire time period I also had several property damage claims that were sent to XXXX, XXXX XXXX XXXXXXXX and Nationstar totally more than {$25000.00}. All of the checks were signed by myself and turned over to the current mortgage servicer at the time. The mortgage servicers were supposed to sign and return the insurance money to me so that I could complete the repairs and pass their inspection. All of these servicers never endorsed or returned the funds so that I could repair the property. I believe that this was a conspiracy to defraud me by the investor, XXXX, XXXX XXXX XXXXXXXX Nationstar, and Mr. Cooper to bring about the foreclosure of my property. 

I have attached proof of my attempts to receive the insurance claim funds from the loan servicers over the years. I request that the foreclosure be suspended until I receive the funds in dispute, which by law should have been endorsed and returned to me to complete the repairs years ago. I believe that this is a conspiracy by all parties to force a foreclosure on the property. 

After I completed the COVID special forbearance, the investor should have approved a streamline modification to allow me catch up and reduce my payment. Mr. Cooper did not allow this option for this conventional loan. This would have allowed me to keep my home and keep their loan intact.
Consumer complaint received 2017-05-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

XXXX   XXXX ,  2017  Sent a QWR to these companies.     OCWEN Loan Servicing LLC  XXXX   XXXX   XXXX  I have not gotten any answers to my request. I did get a print out of something but no answers to the questions I asked on the QWR of  XXXX   XXXX ,  2017 .