davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LENDER LIVE (FL)

I recently refinanced my FHA mortgage to a conventional mortgage to get rid of the PMI, However when it was time to closing I realized that my FHA mortgage holder was collecting two months of interest and two months of PMI, whoever they were paid in 6 weeks and they did n't give me a refund for the extra 2 weeks paid, perhaps they collected for the month of XXXX and XXXX but they were paid off on XXXX XXXX, I believe they owe my the interest and the PMI charged for the last two weeks of XXXX, I have called but their customer service does n't seem to be too helpful trying to tell me that my refund was already issued, however all they ever sent me was my Escrow account balance not a penny extra.
Consumer complaint received 2015-05-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: National Enterprise Systems, Inc. (MI)

I took training and bought equipment in XX/XX/XXXX at XXXX XXXX solutions. I received a loan from XXXX XXXX for {$7200.00}. The interest started out at XXXX per cent. After being late the interest ballooned to 20.78 percent. I attempted to lower payments but the servicer stated that the idea was that I would pay the loan for life. In XX/XX/XXXX I became totally XXXX and filed a chapter XXXX Bankruptcy based on poverty and total XXXX. National Enterprise Systems, a debt collector, state the description of the loan as XXXX XXXX XXXX. They state that I owe XXXX. I never borrowed money for this discription. School Code is XXXX. XXXX is not a school. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I bought equipment and took training with the funds. It was my understanding that this was a personal loan. 
After requesting documents, National Enterprize Systems, sent copies of my orginal application with XXXX. Within the packet a memo appears that the loan was changed from the above amount to {$10000.00}. There is missing information on the loan application as noted on the forms. My credit score was XXXX. Please advise.
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (ME)

Navient has randomly placed my account into a forbearance without my permission or via request by me. They have failed to notify me that actions have been taken on my account so that I am notified and aware of any changes to my account and it 's status. Navient has also failed to disclose timeline dates relating to when payment offers are made to when they must be accepted by.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (CA)

I have a consolidated loan through ACS Education Services. We have submitted on 2 different occasions applications for the federal Teacher Loan Forgiveness program. I had also submitted a different loan forgiveness application to XXXX and my application was immediately accepted and the loan was forgiven. ACS Education Services is continually coming up with different reasons to reject our loan forgiveness for reasons like " the signature dates by the Chief Administrative Officer and myself were not on the same date ''. Considering they have rejected my application once again, it 's the middle of the summer and I do n't see my boss for another month or 2. It seems quite obvious they either want me to give up on this process so they can keep collecting interest payments.
Consumer complaint received 2015-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (WA)

I have tried contacting Pinnacle Credit Services LLC for the past year and a half to verify a debt that has been reported on my credit report and have not received anything in writing. Whenever I dispute the items on my credit report, they come back 3 months later and report back again. They hired another company that has been calling me and unable to verify the debt either. Apparently this so called debt has been in existence for 8 years which has already passed the statue of limitation for them to collect. The credit reports are also still reporting it even when I have disputed this item numerous times. Please help. This organization is in violation and they are ruining my credit.
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

Hello Im a fellow user of the app called cashapp. Recently Ive trusted cashapp in sending my stimulus payments to my cashapp using my account and routing number. They money was funded to my account, and now cashapp is saying my account is locked due to suspicious activity which is the activity of me trying to send out the money to friends I personally know. Is been over 24 hours and my account is still locked. I dont know what to do anymore and this is very unjust. Please help me I have no money to my name and need this money dealrly please call me at ( XXXX ) XXXX if anything leave a voicemail
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (NY)

I have scheduled automatic payments. The payments are not going through because their system does not process the payments. I have been charged many times a return check fee, and I have to manually make payments.I need full refund on {$20.00} x number of return check fee and the system to process my {$50.00} payment on schedule. The interest of 9.9 % is inhumane, borderline slavery and an embarrassment to all of mankind. XXXX
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX  XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am in good standing with all of my accounts have paid down a considerable amount of debt in the last couple of months and even had a credit score in the 700s. After the cares act in XXXX, my student loans were put in forbearance through that act and I believe that they are being falsely reported because when I check my credit recently I have a 40 point credit decrease. And this time I have not open any accounts and made any debt or or hard inquiries. I really need help in investigating this manner because a 40-point decrease a my credit score does not make sense to me and the only thing I can see on my report is remarks from the department of education and it does not provide any further information about why my credit score has taken such a large hit.
Consumer complaint received 2020-05-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I have disputed the accuracy of accounts that have paid to Equifax, XXXX XXXX and XXXX. XXXX, and XXXX XXXX immediately deleted the accounts since the Collection was not reporting them correctly. Equifax will not, they have told me twice that the creditor has reported accurately, this is not the case as these collections have been paid in full and they still report no payment. It is puzzling to me that XXXX XXXX and XXXX  can see by my provided receipt that XXXX XXXX XXXX refuses to report accurately. I have mailed this information to Equifax twice and they also can not follow the law. I have been refused an auto loan because of Equifax refusal to comply as they are required to do so.I have enclosed documents with all information.
Consumer complaint received 2020-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I was a victim of identity theft a fraudulent credit card was opened in my name with the company XXXXXXXX XXXX XXXX  i supplied a theft report to them and they deleted the account from my credit somehow Midland Funding collections Is trying to collect a debt that I never owned
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

On XX/XX/2020 I tried to withdraw {$80.00} to buy my children groceries but my account with all my money was locked without notice. Cash app has no phone number or customer service representatives to speak to. After emailing them over 48 times they finally responded on XXXX XXXX : Hello, My name is XXXX with Cash Support.

At this moment, we still have not receive the requested documents. 

To begin our investigation, please provide documentation for each unemployment deposit received. This will speed up our investigation and assist with determining the next steps. 

Failure to provide the requested information will affect the outcome of your claim. 

Please submit the following : State documentation verifying the source of funds ( i.e. Notice Of Monetary Determination Letter ) Previous paycheck or direct deposit statement from the same employer Copy of government ID ( Drivers License, State ID card, Passport, or similar ID ) in the recipient 's name of the unemployment deposit Any other documentation to verify the source of funds Copy of your government ID ( Drivers License, State ID card, Passport, or similar ID ) THIS IS UNACCEPTABLE!!!!! I didnt feel comfortable sending in all my information to a random company that already hijacked my account but I sent in my info anyway. 

It is now XXXX XXXX and I still have not received a response, a cashiers check, nor is my account unlocked.
Consumer complaint received 2020-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I sent a certified letter to collection Credit Collection Services collection agency asking them to validate this debt and competent evidence bearing my signature showing that I have some contractual obligation to pay them. I attached what they sent me for validation, which is only a bill. They violated the Fair Debt Credit Practices.
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

Today is XX/XX/2020 i made a transaction today off of my Square Inc. Cash App card and it went through like normal. Then i tried to cash  out some money and it told me that it was declined for some reason. So i went to an ATM and it told me insufficient funds. Which i know is not true because my cash app balance still shows that i have {$130.00} available.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALL OF THESE ACCOUNTS ARE FRAUD AT ITS GREATEST
Consumer complaint received 2015-06-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

My spouse wrote me a check for XXXX on a business account using my name instead of the business account name. She marked out the address preprinted on the check and wrote in the correct address. I deposited the check via the ATM not realizing it was written to me instead of the business. My wife 's credit union paid the bank as the funds were available. Sun Trust bank flagged the check as fraudulent and began an investigation. I provided all of the appropriate documentation to clear up the mishap, the bank finally cashed the check and closed my business account. The bank has smeared my creditability.
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AR)

My student loans are being managed by FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency. ) I am currently repaying my loans via the Income Based Repayment plan under which the payment due date was preset by FedLoan Servicing ( unbeknownst to me ). I have attempted to change my due date twice over the past 6 months and have been denied under the grounds that a borrower under the Income Driven Repayment Plan can not request a new due date until they re-certify the following year. I have been unable to find this stated anywhere on the FedLoan Servicing website, nor was it stated in the document that was sent to me titled " Information Regarding Your Student Loan. '' I have requested on multiple occasions via telephone that the information regarding the denial of due date change based on my current payment plan be provided in writing, but FedLoan Servicing has failed to provide this to me in a timely manner. I am due to re-certify my loans next month, and I am not confident in FedLoan Service 's ability to complete my application and request for a new due date properly. Below is the information from the Frequently asked question section of the FedLoan Servicing Website regarding the question " Can I change my due date? '' -- As the FedLoan website states " You can change your due date if your account is not past due. However, we can not change your due date before you make at least one payment toward your loans. If you are entering repayment for the first time, please make your first payment as scheduled before requesting a new due date. '' -- - I feel that FedLoan Servicing is misleading its borrowers and I request that they provide me with all the necessary supporting information and obvious limitations of the Income Driven Plan that I am currently enrolled in.
Consumer complaint received 2020-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I booked a trip in XXXX through a travel agency. Due to COVID-19 the trip was canceled. The travel agency sent me an email stating that I had to contact my cardholder for a refund. I contacted my bank, Chase Bank, and they refunded me the money but took the money back. I never received my went on my trip and I dont have my money.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (FL)

I made purchases with my debit card and I asked the bank to dispute the charges and it has taken about 3 months to finally recieve a provisional credit but then they decide within a week ( before I even receive the dispute forms ) to deny my case and now this issue has spread to my credit card companty and I am really upset at the way this situation has not been taken seriously by the bank and I am ready to retain legal action if necessary.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (FL)

I have a Sallie Mae student loan, I had made my monthly payment on XXXX/XXXX/15 in full, {$130.00} and I requested a Forbearance at that time. I was told by XXXX in customer service that my Forbearance was indeed processed and I had nothing to worry about, as it was for ( 3 ) months. A few days later, I started receiving calls from Sallie Mae stating that my payment was past due for XXXX 2015. I called them and was told that There was never a forbearance placed on my account and that I would be going into collections if they did n't receive another payment for {$130.00}. I advised that I could n't afford another payment and that was why I asked on the last call. They took a financial stmt from me and said there was nothing that could be done. I called back on XXXX/XXXX/15 spoke to XXXX # XXXX and advised of all my prior calls and issues, he stated that he got permission from a supervisor to override the {$50.00} forbearance fee and process the forbearance through XXXX/XXXX/15 and if I wanted to request another XXXX, I 'd have to call back prior to that date and pay another {$50.00} to have it processed again. I called back that same day and spoke to XXXX to re-confirm that the forbearance was in effect, XXXX stated that it was and that he not only spoke to XXXX, but that he looked at my acct and it was showing there. Today is XXXX/XXXX/15, I started receiving calls from Sallie Mae stating that my acct was seriously past due and that I was headed to collections if they did n't receive a payment of {$270.00} before XXXX/XXXX/15. I called today and spoke to a supervisor # XXXX, she stated that none of the forbearance went through because I was past due in collections and had not paid the {$50.00}. I advised my entire situation and she said that there was nothing she could do and said for me to make the Min payment and come out of " collections, '' but I explained that was n't possible as I had trusted the Reps that I had spoken to at Sallie Mae and they mislead me to believe that my acct was in good standing in Forbearance. I am currently in an economic deferment with XXXX for my federal loans, and I advised that to the Supervisor. 
I do not know what to do and I have already paid off XXXX Sallie Mae loan last year, I have an impeccable credit report, am a single mother and do not want this to affect me negatively. 

Please help me!
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A court order of citation to discover assets was issued on my accounts at Bank of America. My account was frozen subsequently and I had to go to court to defend myself. I went to court on XX/XX/2015 and the court ruled in favor of me and ordered that bank of America return any and all monies or other property withheld. And the court also ordered that the citation to discover assets be dismissed. I gave a copy of the court order to Bank of America and they have still not released my account. My account is still frozen and ca n't use it and I am still being charged monthly maintenance fees. I have on numerous occasions communicated my fustrations to bank of America but has still not received any fruitful outcome. I would like for your organization to look into this matter. Thank you.
Consumer complaint received 2016-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (FL)

Stonegate Mortgage massively over charged me for escrow payments XX/XX/XXXX. Their website and telephone rep claims they issued a refund to me for {$1000.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Not only have I FAILED to receive a refund, but Stonegate Mortgage has also FAILED TO PLACE THE NEW ESCROW ANALYSIS ON ITS WEBSITE. The one available now is dated XX/XX/XXXX LAST YEAR!
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX and Transunion has violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) False or misleading representation ( 15USC 1962e ) On XX/XX/2017 I obtained a copy of my Transunion Credit Report as I have alerts on my reports because of fraud only to discover that XXXX XXXX XXXX had illegally inserted collection information on my report in the amount of {$43000.00}. First of all they are not allowed to collect in my state. They called me harassing me over the phone. The debt they listed is already listed by the original lender and therefore they have listed it twice with incorrect dates and incorrect amounts. I have no contract with them and have never given them my personal information i.e. social security number etc. Please see the below information from the FTC, clearly they are still in violation : A Memphis-based debt collector has agreed to stop deceiving and harassing consumers and otherwise violating federal debt collection laws, and will pay a {$1.00} XXXX civil penalty to settle Federal Trade Commission charges, while a debt collection operation headquartered outside XXXX XXXX will pay {$490000.00} as a penalty to settle a separate FTC complaint. " The FTC is committed to protecting consumers from all types of deceptive and harassing debt collection tactics, '' said XXXX Director of the XXXX. XXXX In its complaint against XXXX XXXX XXXX, the FTC charges that the XXXX-based company used unfair and deceptive collection tactics, such as repeatedly calling consumers and accusing them of owing debts that they did not owe, contacting consumers at work while knowing that their employers did not allow the calls, making unauthorized withdrawals from consumers ' bank accounts, and disclosing confidential information about debtors to third parties. The company collects on about a XXXX consumer accounts a year and is charged with violating the FTC Act and the Fair Debt Collection Practices Act ( FDCPA ). Under the proposed order settling the FTC 's charges XXXX is permanently prohibited from engaging in false, deceptive, unfair, and harassing debt collection practices. The order requires the company to address specific problematic conduct alleged in the XXXX complaint -- whenever a consumer disputes the validity or the amount of a debt, XXXX must either close the account and end its collection efforts, or suspend collection, until it has conducted a reasonable investigation and verified that the information about the debt is accurate and complete. The order also restricts situations in which the company can leave voicemails that disclose the alleged debtor 's name and the fact that he or she may owe a debt. The XXXX is grateful for the critical assistance provided by the Tennessee State Attorney General 's Office during the course of its investigation of this matter.