davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Company charging me a debit that is not mines and it's showing up in my credit report i have no knowledge of this account this is not mines where it says customer name that is not my name customer signature that is not my signature i dispute it with experian results came back accurate still no contract with convergent outsourcing i asked for a sign contract with my name instead i received a bill for XXXX nothing else date XX/XX/XXXX that  is not a validation it was removed from my credit report XX/XX/XXXX and then again it was reported again with a different collection agency which is convergent outsourcing my son 's and mines document was stolen in north Carolina in XX/XX/XXXX
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (OH)

In XXXX XXXX a California merchant, a XXXX, auto-renewed a subscription I purchased in XXXX without providing a working mechanism by which I could opt out of the auto-renewal. The only mechanism on their online site required me to cancel the current ( XXXX ) subscription before its full term, forfeiting any unused portion. Since I paid for a full subscription, I refused to accept this requirement. Instead, I purposely withheld my Discover Card 's ( DC ) expiration date from the merchant, expecting a credit card transaction lacking a valid expiration date would be rejected by DC. Instead, DC approved the charge without up-to-date account information. 
I disputed the charge via a written claim sent under the Fair Credit Billing Act -- XXXX pages long, with online screen images of the merchant 's site, the merchant 's posted policies, excerpts from the XXXX Auto-Renew Law and Restore Online Shoppers ' Confidence Act of XXXX ( ROSCA. ) I documented the merchant 's missing opt-out mechanism, invalid initial purchase terms ( customers wanting to opt-out of auto-renew could never receive a subscription matching the term they paid for ), and my refusal to take delivery of the auto-renewal ( I cancelled it immediately ). I also showed that the renewal price was twice the original subscription rate, even though the merchant posted terms saying renewal pricing could change ). DC completely ignored everything I submitted to them. They said my claim was " incomplete and/or ambiguous ''. And they ruled in favor of the merchant, overlooking its fraudulent practices -- delivering shorter subscriptions than advertised DC, meaning that customers could not possibly give the " express informed consent '' required by ROSCA. And the merchant 's violation of California law by failing to provide " clear and conspicuous '' and " working '' opt-out mechanisms. DC did no independent investigation of this matter as their corporate Internet prohibited access to the merchant 's website. And they were completely disinterested in ROSCA and the California Auto-Renew Law. Their only investigative act was reading the merchant 's statement and finding it completely valid.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (MI)

I dispute balance of XX/XX/XXXX of {$940.00} from a beginning credit of {$1000.00} by CITIBANK some years ago. When Citibank allowed me this credit called CHECKING PLUS it was not categorized LOAN as seen now in Citibank statements. Thus, my main concern is to not approving unknown fee applied by Citibank as TRANSFER TO COVER OVERDRAFT. While I do not recognize so-called overdrafts, this fee reduces completely every month payment I have made so far but making the credit balance unchanged as shown below. e.g ; A XX/XX/XXXX : Account balance = {$960.00} B. XX/XX/XXXX : Account balance = {$940.00}? 
XX/XX/XXXX - XX/XX/XXXX : Account payments = {$1000.00} In the light of all of above I request arbitration of unchanged balance due to so-called Transfer To Cover Overdraft unknown fee. I can remember that Checking Plus credit of {$1000.00} had no payment limit or was a kind of loan either. 
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Consumer complaint received 2015-11-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank denied renewal of my home equity loan solely on the basis of age discrimination. This was not caused merely by poor customer service or incompetence, because no business can survive operating like that. 
Instead, from the start they were determined to undermine my income by repeatedly losing documents ( XXXX, XXXX. proof of consistent bank deposits, etc. ) I mailed and faxed those papers to them at least three times. Then they mysteriously disappeared. They then based my income solely on Social Security. I submitted proof of over $ XXXX, but they kept losing the paperwork. 
When informed of their decision I was not " credit worthy '', they also said I had numerous delinquencies. I immediately got a copy of my credit report that repeated XXXX words -- never late. They also claimed that an anonymous third party ( other than a credit bureau or appraisal company ) gave them extra ammunition to judge me an undesirable client. I have asked for that information several times, but TD Bank refuses to divulge their source. Are n't they required to do so under Federal law? 
It is truly a case of blatant age discrimination, because they believe they can scare and intimidate people over XXXX. Not so!
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for XXXX XXXX. On XXXX XXXX, 2016, TD Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly {$900.00}. When I contacted TD Bank to ask why they would allow a check that was post dated to be cashed, I was told that they " do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that " in this day and age, the date on the check does n't matter ''. The manager then explained that if I write a check to someone, they have up to 364 days after the date on the check to cash it ... So, they pay attention to the date in case the check is old, but do n't care if the date on the check has n't even occurred yet. How are you going to rationalize telling me the date matters if it is past 1 year after the check was issued, but that if it is prior to that date, you do n't care as a bank? I explained that because of this issue, I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall, it was a very unsatisfactory customer service experience. They however were 'kind ' enough to reverse the {$35.00} overdraft fee that had occurred due to them cashing the check before the date on it. 
Today, XXXX XXXX, 2016, I looked at my bank balance and there was an additional {$70.00} that had been taken out of my account. {$35.00} for the account being over drawn ( I do n't get paid till Friday XXXX, XXXX that is why the check was dated for that day ), then, because that {$35.00} overdraft fee came from an account that was overdrawn, they charged an ADDITIONAL {$35.00}. I called the bank and had a very pleasant young lady who reversed the {$70.00} charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But, because I am just little old me, somehow it does n't matter. 
It is really a shame too, I used to sing TD bank 's praises, but they have really done down hill. And they have lost a customer in me, along with every person I can convince to leave this bank.
Consumer complaint received 2016-02-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: First National Collection Bureau, Inc. (NV)

A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. 
Received a mailing from them last summer stating I owed a debt which they were hired to collect.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (WV)

PLEASE MAKE ''AFNI COLLECTION AGENCY '' TAKE OFF THE " FRAUD BILL '' ( THAT I PAID OFF, & THEY TOLD ME THEY WERE GOING TO TAKE THIS NEGATIVE REPORT OFF OF ALL XXXXCREDIT AGENCIES ... .CONCERNING MY CREDIT REPORTS, ( WITH XXXX, XXXX, XXXX XXXX XXXX ). 

BELOW IS PART OF THE ONGOING CLAIM CONCERNING MY CREDIT REPORT ... ... CONTACT " AFNI '' & MAKE THEM REMOVE ALL FRAUD CONCERNING XXXX XXXX XXXX ( XXXX : ENDING IN XXXX ) ; FROM ALL XXXX ( XXXX ) CREDIT REPORTS OF XXXX XXXX ... .ALSO WRITE XXXX XXXX A PERSONAL LETTER OF SORRY, TO XXXX XXXX, AS THEY LIED TO HIM, AS THEY TOLD XXXX XXXX, THAT ONCE " AFNI '' PAID THIS ( XXXX MOBILE CELL PHONE OFF ) ; THAT " AFNI '' WOULD IN FACT TAKE ANY & ALL NEGATIVE REPORTS OFF OF SAID, ( XXXX XXXX 'S CREDIT REPORT )! 

Also, make sure ALL XXXXCREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone XXXX off, via my ''XXXX '', in XXXX 2015 ... .for : $ XXXX. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX ... which they are yet to do. I have filed a Dispute with ''XXXX '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' AFNI COLLECTION AGENCY '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX Credit Agencies. I requested ' '' AFNI COLLECTON Agency '' to take this FRAUD OFF OF ALL XXXXCREDIT AGENCIES, & they ''AFNI COLLECTION AGENCY '', has ''NOT '' done this, despite THEM telling me that they would. 
So I would like to file a REPORT on ... .. '' AFNI COLLECTION AGENCY '' ... ... for ''NOT '' doing what they PROMISED me that they would do, ... ..***IF I PAID THIS FRAUD OFF***, THEY LIED TO ME!
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NM)

My experience with roundpoint Mortgage has been absolutely terrible. Every time I have reached out to them I never have talked with someone that knows how to answer my simple questions. When I am lucky enough to even talk with a customer service representative, I am given different answers from every person I talk to. It is very apparent that these people have no idea what they are doing, or at least have no intent to actually help you. One particular experience I had with them was when I was trying to remove mortgage insurance from my loan. I filled out the request application and never heard from anyone at roundpoint ( I was told it would be 7-10 days ). After 20 days, I called roundpoint to followup with my application and they claimed they had not received anything. After a number of different calls and customer service representatives, they decided that they had received it and it was being process. At this point I was told it would be another 7-10 days to hear from them about getting the appraisal to finish the request. Again, after not hearing from anyone for 15 days at roundpoint, I called to followup. Everyone I talked to gave me different answers again. I was being told everything from the application had been denied, to they have n't even received the application. We finally got the appraisal scheduled. The evening of the appraisal I called the appraisal to follow up with how it went and the appraiser informed me that roundpoint had cancelled the appraisal. This was big news to me, so I called roundpoint to find out why this had happened. And of course, the customer service representative had absolutely no clue why the appraisal was cancelled and did n't know the appraisal was even scheduled. At this point I was informed that my loan was being sold to a different mortgage company and this was taking place in three days. A longer story cut short, I have paid for an appraisal that is no longer valid. All while I was being deceived to think they were helping me remove mortgage insurance from my loan. So roundpoint got a few extra months of mortgage insurance, over {$600.00} ( this process took a few months, instead of a few weeks like I was told ) and now sells my loan to someone else. It 's not too hard to see what roundpoint was trying to do here. And definitely shows where their priorities are. If there is a way you can avoid having roundpoint Mortgage from obtaining your mortgage note, I would do that!
Consumer complaint received 2015-08-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MN)

Navient is my lender for private student loans and also services my DOE and federal loans. My private student loans are behind because they wo n't work with me to make them affordable. I use their website to keep my federal and DOE loans, but they have locked my account. After several calls, they wo n't issue me a temporary password to access my loans online until my private loans are resolved. Now my federal loans are behind because I ca n't access them to make a payment. Navient has also repeatedly called my parents and told them that they will be taking legal action against them even though they are not cosigners on the loan.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MI)

I got the loan in XXXX XXXX for an emergency home repair. When I went to set up an account online to pay in XXXX, it was VERY user-unfriendly, and I ended up having to call their customer service, and was on the phone for quite some time. I thought I had gotten it all straightened out for this month, but I also had a lot of problems this month, and was unable to access my account. Consequently, I was locked out from paying the monthly installment. When I called Customer Service again to remedy the problem, I found out I was late paying ( how would I know? I was n't able to access my account! ) and assessed a {$26.00} late fee on a {$40.00} payment. The woman was very discourteous, and insisted it was not the problem of Wells Fargo, stating she was unable to remove the late fee. I explained that it was the problem of Wells Fargo, since I was n't able to access my account. She kept repeating " not Wells Fargo 's fault, '' so I asked to speak with her supervisor. I was on terminal hold, and ended up hanging up after about 12 minutes of waiting.
Consumer complaint received 2015-06-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Navient continues to not credit to my account the full amount that I send them every month. It is sometimes a few dollars off and sometimes a few hundred dollars off. I feel that this is either harassment or incompetence or downright sneaky fraud.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Consumer Relations : Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my lease- for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY- they are not accurate! 

2. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Please remove all other addresses IMMEDIATELY - they are not accurate! 

Please delete these disputed items, as I am concerned about identity theft. Thirty ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX SS # : XXXX DOB : XXXX/XXXX/XXXX
Consumer complaint received 2015-03-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

In both my business and checking account, the bank processes are to re-arrange items in your account which result in you account going negative so that can charge excessive fees. In reference to the business account I was charge over XXXX in fees for a XXXX transaction that should have cleared because the funds were there. After speaking with several bank personel, not one was able to understand why the account was over drawn. They did reverse XXXX of the fees but stated I had to pay the rest. I am seeing this same kind of fishyness with the personal account.
Consumer complaint received 2015-10-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (UT)

My name is XXXX XXXX i attended XXXX XX/XX/XXXX while they were owned by XXXX. my question to you, is why do n't all students who attended the schools when corinthian owned it get relief of the private and federal loans from this lawsuit the cfpb has with them? i have been paying XXXX dollars a month and not getting anywhere with this loan that i was forced into having. my principal amount was XXXX with a 8.75 % interest and i have been paying for roughly 6 years and i now owe XXXX i feel like i need to be helped out by this lawsuit. i feel as if the school has done exactly what the article and lawsuit say, by the fact i have n't heard a word for job placement like they said they would, i do n't make the salary they said i would, i also do n't even work in the automotive field because quite frankly the pay is n't enough to take care of the loan payment and have a life. my loan servicer is Navient formerly known as XXXX XXXX and i have contacted them about this and i have been told i do n't qualify because because i attended XXXX XX/XX/XXXX, and students from XX/XX/XXXX to XX/XX/XXXX are the only students that qualify. i feel thats discrimination because i do fall under the same issues your lawsuit was based upon. and the school was owned by corinthian colleges during that time i attended. i feel that my student loan is predatory because its not getting any lower with every payment.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a One Deposit Checking account online with Citizen Bank ( XXXX. XXXX XXXX XXXX XXXX, RI XXXX ) in XX/XX/XXXX, been doing all my transactions online or using debit card in XXXX XXXX, NY that I reside, received emails from Citizen Bank and downloaded my paperless statements. 
On XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX from bank indicating my account is overdrawn {$120.00} urging me to make a deposit. I downloaded my latest XXXX/XXXX/XXXX statement, it show that my account was overdrawn {$2.00} on XXXX/XXXX/XXXX, bank charged {$35.00} overdraft fee on XXXX/XXXX/XXXX, then a {$30.00} sustained overdraft on XXXX/XXXX/XXXX, another {$30.00} sustained overdraft fee on XXXX/XXXX/XXXX and a third {$30.00} overdraft fee as was implied in XXXX/XXXX/XXXX letter or charging me {$120.00} for overdrafts between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX without letting me know by phone or email that my account was overdrawn $ XXXX.I called the number on the letter and was told that bank had sent me another letter on XXXX/XXXX/XXXX, when asked why not a phone or email message, I was told bank sent the letter. All my other banks alert quickly such matters, later on XXXX/XXXX/XXXX I received an automated message from Citizen Bank urging me to call them, this imply that besides my email they did have my phone number.I did and told them that I already talked to their rep. 
Citizen Bank had my phone and email on file, made no attempt to inform me of the {$2.00} overdrawn amount and charged me {$120.00} overdraft fees, when I called them on XXXX/XXXX/XXXX I was also told that my account is eligible for one time overdraft so the initial {$35.00} fee no longer apply and I just have to XXXX {$90.00} for three times {$30.00} sustained overdrafts. This also imply that if the bank had informed me of the {$2.00} overdraft right away, I did not have to pay any overdraft fine, but the bank did not call or email and kept charging {$30.00} fine over and over, I only have their word that a letter was issued on XXXX/XXXX/XXXX. The only letter I received is dated XXXX/XXXX/XXXX and arrived on XXXX/XXXX/XXXX.
Consumer complaint received 2016-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

ive had XXXX servicing my loans for almst 18 yrs. in XXXX unknown to me and without notice XXXX took over, raised payment from XXXX to XXXX and changed amount owed from XXXX to XXXX. now its navient servicing. Ive been unsuccessful in getting a income based repayment plan like the one I had with XXXX for the last 3 years. Ive faxed in documents approx 6-7 times over the period. All they do is issue forebearances and keep raising payment amount and loan amount. These are loans from XXXX. In XXXX my loans were consolidated without giving me notice that the clock would completely reset payment period. 
I need assistance asap on getting on a income based repayment plan and not having the clock reset after 12 years of good standing. I didnt authorize XXXX or navient to service my loans and do not want them as my loan servicer. i get nonstop calls and or emails every 3 months on forbearance over. I explain the problem to them they appologize, give me a govt student loan tel that is worthless and continue same behavior.