davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Williams, Rush & Associates, LLC (DE)

I got a federal loan for school, I quit 2 weeks after starting, the school refunded almost the full loan back except for the portion for the 2 weeks which im working with my original provider for payments. I was n't aware that the school itself was charging me for the loans they refunded and they sold the debt to a debt collector called William Russian associates. The very first day I spoke to them they told me they have a pending case against me to garnish my wages and if I want to prevent them from going forward with the case I would have to pay the a down payment of {$1800.00} and monthly payments of {$370.00}, I spoke to them at XXXX and they told me I had until XXXX. the same day to make a payment of atleast {$500.00} towards the down payment or else they were going to take me to court to garnish my wages. I told them I was willing on paying the debt but I could n't afford what they were asking, they never took any type of financial assessment to help put me on a payment arrangement they did n't care that I did n't have the money or that I was willing to pay they only cared about getting the amount of money they asked for by the time they gave me. I feel like that 's really unfair treatment especially since im willing to pay and that was the first time I ever heard about owing that debt and they want to make it so I cant afford my basic living expenses because they do n't want to work with me.
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams, Rush & Associates, LLC (NY)

This item has been reporting on my credit unlawfully. I am attaching proof that I sent them a letter requesting that they prove that I owe them this debt the same proof that they are required to have under the law. I have received no response at all. No documents bearing my signature, and no proof that they can legally hold me accountable for this debt. This company is also committing identity theft as they have opened an account using my name without my consent. I have sent a letter to their XXXX and I am also contacting the FTC. My next move will be a lawsuit.
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am desperately seeking your assistance in clearing up a mistake that Nationstar made on my home loan account. I would appreciate you looking into my account to advise of further actions needed. 

I currently have an FHA loan on my home. To give you some background, I lost my job and fell behind on mortgage payments, for fear of losing my home to foreclosure I placed my home on the market and have a buyer to purchase at full asking price. With this I am able to avoid foreclosure or short sale and am able to pay Nationstar the full price I owe on my property. 

The problem is that Nationstar mistakenly recorded a partial claim deed of trust in error. This partial claim was recorded XX/XX/2016, but a a denial letter for modification ( associated with the lien ) was sent after that was recorded XX/XX/2016. My title company and myself have been dealing with this for 2 months now. Nationstar, attorneys for Nationstar, and HUD all acknowledge what the problem is and that Nationstar mistakenly recorded this on the title, but are not promptly acting on this to correct their mistake to clear this title. I actually have recorded telephone conversation from Nationstar stating that " it is their mistake '', they " do n't know how this happened '' and " someone make a big mistake here ''. I can send you these recorded conversations per your request. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for something in writing stating that there is no lien, or account if any sorts attached to the title by Nationstar. 

I have been getting a runaround for months from Nationstar. Every employee I speak to ( or that the title company speaks to ) states it will take another day, week, etc to correct. I 'm begging for your prompt assistance. Nationstar has officially delayed closing for over a month and this is causing great financial distress. I do not wish to have to retain attorneys as many have suggested to force this issue to be corrected, I just want to resolve this quickly so I may move on in an attempt to rebuild my life. 

File Number-XXXX-Address-XXXX XXXX XXXX XXXX ( Email Ref=XXXX ) Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Alternative contact regarding this situation is : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

For the past 2 years beginning XX/XX/XXXX, XX/XX/XXXX our mortgage company, Nation Star Mortgage, has contacted us that we are overdue on our payments and charging us a penalty. We use there auto-deduct system and for some reason it works every other month. I contacted our bank and they say we have had the money in the account so that have n't denied a request for auto-deduct payment. Then we start getting calls from a automated message stating we are behind in our payments. My wife and I have called the number they left and it takes about 30 minutes of saying no to questions by another computer generated recording until we get a real person. Then the person ca n't really help us and wo n't bump us up to someone in management. I am concerned there may be some kind of scam going on. I pay my bills and have n't had any other problems wit h any other creditors. Is there some way I can get this situation looked into?
Consumer complaint received 2015-12-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance Collection Agencies, Inc. (WI)

I gave alliance collection a letter on XXXX XXXX, 2015 and gave them 30 days to prove all the debts were valid and mine. They failed to meet this request. Thus I 'm asking that all my negative marks be removed from my credit bureaus immediately.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (IA)

To Whom it May Concern, I recently refinanced with the XXXX. They sold my mortgage back to Bank of Oklahoma ( BOKF ) overseen by XXXX. I was told by XXXX XXXX not to make any payments until XXXX 2015, in which I followed his direction. On XXXX, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ), who provides our Homeowner 's Insurance. The letter stated that our coverage was being terminated in full as of XXXX. I called XXXX who confirmed that a payment was received that day, XXXX/XXXX/15. XXXX informed me they requested payment XXXX from BOKF as we trust them to oversee our escrow account. BOKF made excuses that their office moved from Michigan to Ohio, and stated they had sent a letter to XXXX informing them where to send payment request. All of this finger-pointing needs to be addressed. While my coverage was n't actually terminated, it did cause great, unnecessary stress in my life. To make a payment one week before termination is completely and entirely unacceptable. I will be refinancing ( again ) and will insist on a clause that our mortgage will not be sold to BOKF or XXXX. Please do not let them get away with these actions, or lack thereof. 

Thank you for your time. 

Regards
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (PA)

JC PENNEY has completely failed to established the information you are reporting for the following account is accurate : Instead, JC PENNEY have provided is merely a computer screen print out that establishes nothing. I suggest JC PENNEY familiarize themselves with the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. XX/XX/XXXX et. seq. ) before proceeding any further. I suggest JC PENNEY review the applicable regulations which can be found at www.ftc.gov, the website for the Federal Trade Commission ( FTC ), the oversight and regulating agency for your industry. 

There JC PENNEY will find that, in accordance with the FCBA ( see specifically 15 U.S.C. XXXX XXXX, it is your responsibility to establish the following : No unauthorized charges occurred. 
charges do not list the wrong date or amount ; there were no charges for goods and services that I did n't accept or were n't delivered as agreed ; you did not make any math errors ; you did not fail to post payments and other credits, such as returns ; you did not fail to send bills to my current address ; and charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OR)

3 things : # 1- I called Synchrony Financial ( aka Care Credit ) on XXXX/XXXX/2016 to make an allocated payment to a deferred interest charge due in XXXX for {$110.00}. The agent I spoke to said he completed the allocation successfully. He did not. When I called today, XXXX/XXXX/2016 I was told that my closing statement occurred on the XXXX so the allocation did not go through. There was no notification to me. 
# 2 - In speaking with the agent today I found out that any amount charged under {$200.00} shows up on the statement once only and after that, it does not show up nor is it visible anywhere on line. These amounts accrue 26.9 % interest. This seems extremely deceptive to me. I am on top of my account with them, I always take care of deferred interest charges on time but if there is an amount under {$200.00} that is not showing up anywhere on my online account or statement that is accruing 26.9 % interest behind the scenes it seems intentionally deceptive to leave that amount invisible to the consumer. My request is that they be required to show the interest accruing amounts under {$200.00} just like they show every other transaction activity so the consumer can accurately see what they are being charged. Seems like common sense unless you are trying to defraud people or like the mortgage companies did or if you are purposefully intending to entrap people. 
# 3 - I have called Synchrony Financial/Care Credit periodically for information over the years I have been a customer. I have been given so much misinformation over the years that again, seems deceptive. When I called on XXXX/XXXX/2016 and was told the allocation was successful and it was n't and there was no notification to me, that same agent told me that the minimums due that show on my statements are generated to pay off the balance due in the time frame it is due. He said ( quote ) " people think that if they pay more that their balance will go down but it does n't. You can pay more but the minimum will pay it off in the time due. '' I suggest that you get the recording of that call. I ca n't tell you how many times I have been given incorrect information like this. Please do something about this company - they are taking advantage of people who are at the bottom of the credit totem pole.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A. (PA)

I applied for a pnc credit online and was approved with a credit limit of {$1000.00} and cash advance limit if {$100.00}. One of the selling points that made me apply for the card is that it provided overdraft protection to my existing pnc personal accounts. A few days later I used PNCs VirtualWallet ( online/mobile banking ) to transfer {$3000.00} from my personal checking to my personal savings so I thought. What I actually did was transfer the funds from my savings into my credit card that I was just approved for but had yet to receive in the mail therefore the card was not activated. The {$3000.00} transfer was processed as a credit card over payment- when I never activated the card. I noticed the mistake and contacted PNC the next day to have it corrected. I was told that it takes up to 10 days to refund me my " over payment '' from an account I never activated so it should never t have even accepted the payment. This is now day 5 and I 've been assessed XXXX {$36.00} NSF FEES to date because all of my liquid funds were put onto the credit card account that was n't even activated. Again, this credit card was supposed to protect my personal accounts from overdraft but is not because it 's not activated. At this point I do n't even want the card or to continue banking with PNC but in order for me not to receive these fees that they should not be assessing me because the credit card should not have accepted the accidental over payment they are going to force me to activate the credit card that is the cause. This is preditory. Even if I were to activate this card it will only allow me a {$100.00} cash advance which does n't even cover the fees. Mean while there 's {$3000.00} of my money on this card as a over payment that I can not access. It took 3 seconds for Pnc to allow a payment ( that technically should not be allowed on a account that 's not activated ) and 10 days to return it?. My bills are not being paid including and I am in a state of crises because all of my accounts are overdrawn but PNC HAS {$3000.00} of my money and wo n't even utilize the overdraft protection that I signed up for when I applied for the credit card.
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (LA)

I had a Target store card and they " upgraded '' it to a credit card that can be used anywhere and it was stolen, I informed the credit card company and they sent me an affidavit. I filled it out and sent it back. A month later I received a letter from Target saying my claim was denied and because I did n't provide them with a police report ( they never shared I had to ) and when I asked why noone called or communicated that I needed to get one, they stated they do n't have to tell me that. They are now sending threating letters to report it to my credit and everytime I call to speak to XXXX ( the claim specialist ) she refuses my call and " supervisors do n't speak to consumers on disputes ''. I need someone to step in because this is unfair treatment of a consumer.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AE)

Currently, I am saving money in order purchase a home upon my return from XXXX. However, while go through the prequalification with a mortgage broker ; I was informed of a debt from Jefferson Capital System is showing on my credit report. However, this loan was already paid through military allotments.
Consumer complaint received 2016-05-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: PNC Bank N.A. (MI)

I have/had a student loan through PNC Bank, XXXX ( XXXX XXXX XXXX ) was servicing the loan for my time at The School XXXX. I was admittedly behind on my balance, I 've been unemployed for the past 3 years, I 've had issues with all of my loans, my government loans have all been put on hold because of my unemployed status. I made a payment of {$300.00} on XX/XX/XXXX. 

I received a letter from an assumed collection agency dated XX/XX/XXXX. this means it was sent to collections before the end of the month and therefor before it met the charge-off threshold. 

After I started the dispute process with the presumed collection agency, I began to think about this and realized something was not right : I was NEVER contacted by PNC or XXXX, by post, that my loan was going to go into charge off. They could have tried calling, I do n't believe they did however, and I know, no messages were left to my voicemail. 

When I began to investigate this I found there was a severe inconsistency between my credit reports and what I know to be true, XXXX states my last payment to PNC was on XX/XX/XXXX, and XXXX says its XX/XX/XXXX when like I said it was XX/XX/XXXX, I would have paid it again but I could n't because it was no longer there. In fact according to my credit report my account was closed in XX/XX/XXXX. I was completely unaware and thus I have become very confused. Where did the payments go that I made after that assumed time? 

I complained about PNC before, about this loan actually, and was told at that time it was the last time they would help me, so that 's why I never contacted them when I became ultimately behind this time ( case number XXXX ). 

As stated above and I am reiterating : I 'm currently disputing it with the presumed collection agency XXXX XXXX XXXX XXXX , XXXX ).
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2016, I submitted a written dispute which included an affidavit of unauthorized opening of accoutn in my name. I have been payinng on the bill since then because it has DRASTICALLY effected my credit score and I am trying to buy a home. However, I have received no response to my valid dispute. I beleive they have not responded because I have been making payments. I am just trying to not let this effect me any more than it already has.
Consumer complaint received 2016-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: GREAT LAKES (CA)

i was going to this private school called XXXX ( XXXX ) for XXXX program. while i was doing my XXXX the school was shutdown by the government. however the place i was doing the externship kicked me out because is shutdown. we supose to finish XXXX hours at XXXX to finish the school. I was almost there but somehow i was really disapointed when the school shutdown. So the weirds thing is this company that fasfa connected who paid my loan still asking me about the loan and keep adding some interest. i would like to get help for this because i didnt finish the school and i paid some of money and also i wasted my times. so i would like to get some help about this. thank you
Consumer complaint received 2016-03-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

i was sold from XXXX to carrington mortgage in XX/XX/XXXX. i have yet to get a statement from carrington, I ave been calling since XX/XX/XXXX or XX/XX/2016, I have been promised each time this would happen, all i got was a letter about my escrow that did n't make sense. I have made two payments now and they did not apply my payment as requested.some goes into pad my escow. today i called to find they are mailing me a XXXX check out of my escrow which will not make me short for my house insurance in XX/XX/XXXX. They are incompetent. they do this so they can increase you house payments. I googled this mortgage company and could not believe the complaints of how badly they handle concerns. I have called at least 10 times with no results even XXXX 's escalation dept called them and they never called her back. i want a new mortgage company with competent people. i want a monthly statement showing me what i paid and how it is applied. i want to be able to designate how my extra is applied to my escrow. i do not want higher house payments and they is what they are trying to do, and all the complaints i found stated.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a mortgage with XXXX. The account was on a forbearance during XXXX and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. XXXX agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on Transunion XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

Federal Student Loan borrowers are unable to deduct student loan interest they paid during the year if they make more than {$80000.00} per year. This rule should be reconsidered ; federal student loan interest should be able to be deducted no matter what one 's income, especially if one lives in a city with a high cost of living, is single and works in public service. High federal student loan interest rates create a burden on borrowers ; a tax deduction would ease some of this financial burden and allow borrowers to save for their futures.
Consumer complaint received 2016-08-17
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

Went into local branch in XX/XX/XXXX to remove deceased, change address and add another person to account. Now the interest checks are going into account. Even after 8 visit to resolve. Now being told it would be another 60 days.