davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

XX/XX/2023 and XX/XX/2023, Gulf Coast Collection Bureau in XXXX refused to send claim to the XXXX XXXX XXXX so that they could take care of bill. They state that the bill is too old. I never knew about this bill until XX/XX/2023 when I noticed it on my credit report. I am a XXXX XXXX XXXXXXXXXXXX XXXX  and the VA was not notified of the bill. Instead, the hospital sent the bill to an old insurance company and then to collections.bypassing me. I, even had the VA contact billing in XXXX and he spoke to XXXX who stated they wouldnt send the claim because the bill is too old. So, basically, the bill is too old for the VA to pay for it but not me. This is not right and is affecting my credit. All of my information can be substantiated by calling Gulf coast collection bureau at XXXX and requesting information about phone call on XX/XX/2023 involving VA and XXXX. Also, XXXX XXXX XXXX billing department can be reached at XXXX and XXXX refused the claim as well. If they are refusing to have claim paid by the VA, the case needs to be closed because its not right for me to have to pay for medical when the VA pays 100 % of all my medical. 
The VA XXXXXXXX XXXX number is XXXX. My reference number is XXXX. The conversations are documented there.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

XXXX - Applied for Borrower Defense Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX XXXX XXXX XXXX  XXXX Borrower Defense Application Approved " YourRelevant Federal Student Loan debt will remain in forbearance and collections will be stopped until you receive relief. Your credit report will also be updated to reflect this discharge when it is complete. '' XXXX - XXXX Mohela because my loan was not in forbearance. They refused to put it into forbearance for me even though XXXX XXXX XXXX specifically indicates that it has to remain in forbearance until the discharge is completed. Contacted FSA who also could not help me, but suggested I file a complaint. 

XXXX - Filed FSA complaint against Mohela ( Feedback Case # XXXX ) XXXX - Received email from Mohela stating " According to our records, an Exceptional Discretionary Forbearance has been placed on your loans for the periods of XX/XX/XXXX through XXXX/XXXX/XXXX. The Office of Federal Student Aid ( FSA ) had sent MOHELA notice to process a Borrower Defense to Repayment forbearance onto the account per your claim. 

XXXX - My Mohela account reflected end date of XXXX/XXXX/XXXX XXXX - Mohela took me out of forbearance and payment due XX/XX/XXXX. Emailed Mohela XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Tried several times to reach by phone. Unsuccessful. 

XXXX - Contacted FSA who was not able to help me. Filed a 2nd complaint ( XXXX XXXX # XXXX ) XXXX - Contacted FSA Borrower Defense. They said I had to contact Mohela to place me into an administrative forbearance, and could not help me. 

XX/XX/XXXX - Payment overdue. Next payment due XX/XX/XXXX. Sent several emails through Mohela account - no response. Called Mohela yesterday ( XX/XX/XXXX ). Finally got through to someone who kept putting me on hold and then we were disconnected. Did not receive a call back even though they verified my phone number and asked my permission to call me back if we get disconnected. Tried calling twice this morning. Hours indicate they open at XXXX. Called at XXXX and XXXX and message indicates that they are closed, but that their hours begin at XXXX. I now am past due and have another payment due XX/XX/XXXX. How do I get Mohela to put me back into an administrative forbearance?
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

My account is missing payments that were mailed in on XX/XX/23 and XX/XX/23, but these checks were cashed. I had a " Past Due '' balance because they haven't posted these payments to my account but have clearly taken my money. 

With the interest that quickly accrues on these loans, it is absolutely unacceptable for any delay in processing payments and posting them to our accounts. I NEVER experienced an issue like this with my previous provider, Great Lakes. 

I waited for over an HOUR on the phone for someone to tell me they're having delayed processing times. Again, this is unacceptable. This provider should not be allowed to conduct business if they can not handle the volume of borrowers ethically.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

On the XXXX XXXX, XXXX, I received another mail from the law office of Pressler, Felt and Warshaw, representing a debt collection agency, XXXX XXXX XXXX, in reference to an old, XXXX  XXXX account, from almost two decades ago. The letter did not state or specify an actual amount owed, but threatened to garnish my wages, if I do not respond within 10 days. Not exactly sure if these scoundrels who pose as debt collectors really think that Im some type of ignoramus or a pushover, that will easily cower to their chicanery. Let me make it clear, for the umpteenth time, that I do not owe this debt, and wont fall for their perfidy. Keep digging up old, unsubstantiated accounts, and I will continue to report you to the CFPB, until you become moribund and out of business! Might I also add that I conducted a search, using the docket number XXXX, XXXX XXXX civil part, associated with the account, and turns to be non-existent. A complete sham! The courts website : portal.courts.gov, does not have anything remotely close to this dubious judgement. This is a time-barred account that totally lacks merit, and in all pithiness, null and void. Finally, this is a cease and desist letter adjuring XXXX XXXX XXXX, its associates and subsidiaries to stop, henceforth, any communication or correspondence, regarding this meritless account or debt.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

The PayPal sales and collection service portal has retained our funds, which were obtained from the sale of an event in the month of XXXX and XXXX. 

We began sales on XX/XX/XXXX with its paypal collection system linked to our online ticket sales website called XXXX The event took place on XX/XX/2023, Paypal charged all transactions and froze the money without any explanation. 

Several reports have been raised in their callcenter without giving us a valid or favorable response, and the only solution they present to us is to wait longer for the funds to be released. 

Days after the event, disputes began to appear, which are normal in this type of event, but of the 42 cases in dispute they only represent a small percentage and in which that percentage of money remains in reserve, with no explanation given. 100 % of the funds and those withheld. The total funds withheld are {>= $1,000,000} XXXX We understand this part in that only a percentage is left in reserve to resolve disputes ( {$100000.00} XXXX ) but not the total funds, which are clean and without disputes. 

Even the disputes have no claims by the customer only appeared in our paypal account which are held. 

Our disagreement is because 100 % of our sales are being withheld, which generates uncertainty and problems with our suppliers. 

And as mentioned above, Paypal 's answer is what should we wait and wait for longer. 

In Paypal 's Policies it mentions that the customer has 21 days to mention whether they are satisfied with the sale, and 32 business days have already passed since the first sales transaction and the funds are still being held. 


Another point that can not be accepted is that when I contact their call center, they never have a supervisor or manager to deal with major problems, in addition they cut off the calls and never make a call back, the waiting times for attention. They are getting longer and longer and I feel like I am being blocked by them from being able to connect the call. 

More than 30 calls have been made to their call center, sometimes with friendly people, other times arrogant, others lying that they will release the funds in 5 days, which has never happened, and in general no one solves our problem.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15USC 1681Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (NE)

Midland Credit Management sent us a final notice stating they were going to take us to court to garnish our wages or bank account. When I called to advise them that my wife and I were both disabled and unable to pay they persisted telling me that if we didn't pay the bill it would be taken to court to garnish our wages or bank accounts.
Consumer complaint received 2023-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Specialized Loan Servicing Holdings LLC (NV)

Specialized Loan Servicing contacted me concerning owing on account number XXXX on XXXX of XXXX. The original mortgage of the property at XXXX XXXX XXXX XXXX XXXX, FL XXXX was purchased in XXXX finance form XXXXXXXX XXXX and the mortgage was split in two, one, a 30 year mortgage for 85 % of the property price ; and the other an equity line for the remaining 15 % of the purchased price. In XXXX because of the great recession the property when into foreclosure, after five years in foreclosure, the property mortgage was modified. At this time I ask foreclosure lawyer what was to happen with equity line or second mortgage. I was told not to worry about it any longer. Since the original property purchased date in XXXX to XXXX there was no letter, email, phone calls, or any other type of communication, nor any bill on second mortgage. I and my son, XXXX XXXX, were listed on the property as owners. I decided to sell the property in XX/XX/XXXX, a month after the property was put on the market a letter arrived from Specialized Loan Servicing asking for full payment of second mortgage plus late fees and interest. I was not even aware the second mortgage still existed or the it was sold to Specialized Loan Servicing. They requested a payment of {$120000.00}. I received an offer on the property in early XX/XX/XXXX XXXX weeks after receiving the letter from Specialized Lon Servicing, I tried contacting the Loan provider but they wouldn't discuss anything with me, and hung up the phone. Since we were closing soon, amount was paid at closing but I truly feel there is a gray area of error with this Bank/Loan servicing entity. They were very hush, hush and I feel abused by the system. I like a deep investigation ... and will not settle with the institution side of the story, I need facts and documents to be shown ... Banks and other financial institutions have every mean to hide the truth. Thank you
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I purchased a Nissan XXXX back in XXXX of XXXX, and then later went back in XX/XX/XXXX to cancel my Gap insurance after finding out that my insurance provider also has Gap insurance for significantly cheaper. I went in and spoke to the same representative that helped me sign the purchase agreement " XXXX XXXX '' and signed a document requesting the cancelation. A year and a half later, I noticed that there was never a credit to my outstanding loan balance of the Gap insurance cost despite my XX/XX/XXXX visit. I went back in XX/XX/XXXX and spoke with XXXX who said I never signed any sort of cancelation, drafted up a new one and had me sign it there. I said multiple times that this was already supposed to have been canceled as of XX/XX/XXXX, and he said he would see what he could do. Ever since then, I've gotten vague answers and absolute refusal to escalate to higher managers who can correct the issue, despite MONTHS of back and forth. I have yet to hear from anyone higher up than XXXX, despite XXXX saying that it is not in his power to correct the issue. As of XX/XX/XXXX, a refund of {$980.00} was issued, which reflects a XX/XX/XXXX cancelation, instead of the original XX/XX/XXXX. A loss of approximately {$300.00}.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, 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. (VA)

Debt was transfered from one servicer to another and late payments due to deferment information not being sent to correct address because I moved to a different state still shows on new creditor
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX XXXX XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX XXXX XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Subject : Urgent : Continued GPS Malfunction in New XXXX XXXX XXXX  - Seeking Resolution Dear CFPB, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I have been experiencing with my recently purchased XXXX XXXX XXXX 

In the first month of ownership, the GPS system in my vehicle ceased to function entirely. As the vehicle is still well below XXXX miles and covered by an extensive warranty, I promptly contacted Toyota for assistance. Regrettably, the initial response was inconclusive, and I was charged for a diagnostic examination despite the persistent malfunction. 

Seeking additional insights, I discovered through online forums, particularly XXXX, that numerous fellow XXXX XXXXXXXX XXXX owners have reported an identical issue. The consensus points to a faulty antenna within the Head-Up Display ( HUD ) unit, unique to the XXXX XXXX, which does not bypass the phone signal. This poses a significant safety concern for me as the primary user of this vehicle, especially given that it is a family car with a newborn on board. 

During my initial contact with Toyota, I was informed off the record that the company is aware of this widespread problem. However, I was disheartened to learn that the potential cost of a recall has dissuaded the company from taking proactive measures to address this critical safety issue. 

Subsequent interactions with Toyota representatives have provided conflicting explanations, including an assertion that the problem may be linked to my phone, which is demonstrably not the case as the phone functions seamlessly once disconnected from the car. The latest communication from the dealership suggests that a forthcoming software update will address the issue, but I am concerned that this resolution may be insufficient. 

Given the safety implications and the persistence of the problem, I am reaching out to seek your assistance in resolving this matter promptly and comprehensively. As a consumer who values the Toyota brand, I believe in the importance of maintaining the highest standards of safety and customer satisfaction. 

I kindly request your intervention to ensure that my concerns are thoroughly addressed, and a viable solution is implemented without further delay. Additionally, I am open to discussing this matter further and would appreciate the opportunity to speak with an appropriate representative to provide additional context and details. 

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION (AL)

A firm by the name of XXXX XXXX XXXX contacted me about 3 months ago about a debt. Gave me a case number said I was getting sued if I didnt pay the amount owed over the phone. I told them to send me a debt verification letter in the mail, never received one. They quit calling until Monday XX/XX/XXXX. They have called the last 4 days beginning aXXXX XXXX XXXX from different numbers. Told the guy today that I needed a verification letter sent out, he says he is recording everything I am saying to play in open court. He says that the company retained them however when I contacted the original creditor they say the debt was bought by someone else. He says they have sent me 3 or more letters in the mail however they have not. He then told me he was going to put me on hold while I figured out how I was going to pay my debt over the phone. He left me a voicemail saying letters had been mailed out but on the voicemail the address he left on the voicemail was not correct. I tried to explain that to him and he argued with me and then told me the correct address but said that I told him I moved. He left me a voicemail telling me not to call their office back anymore and good luck with my case.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Filed a fraudulent charge claim with my bank, Fifth Third Bank. A transaction that wasn't initiated by me or my wife occurred on XX/XX/XXXX via a debit card transaction in the amount of {$550.00}. 
The charge was a XXXX XXXX in XXXX XXXXXXXX XXXX ( we live in XXXX  ). 

Once I noticed the pending withdrawal, I contacted 53 bank. opened up a dispute. during the conversation i did state that I don't even recall receiving a debit card for this checking account. Told 53 bank this was not a charge initiated by myself or my wife.

Funds reversed during investigation. 

Received letter in early XXXX that my dispute was declined. I called them to inquire as to why -- - they stated that they have evidence of a debit card being activated by my wife back in XXXX. Which I'm sure is true but I didn't remember that fact. Well, because of that statement they denied the fraudulent dispute charge. 

I told them that I don't recall activating the debit card and we never used it for any purchases ( checking account is used to pay bills for a property ), and asked for dispute to be re-opened. 

They re-opened the dispute but a few days later received notification that my dispute was declined again. 

I called XXXX XXXX to request a reversal of charges. They mentioned to me a name of a person who we do not know -- -- that individual reserved a room at the XXXX XXXX but never showed up. So the charge was for a no show room reservation charge. Despite my plea that we had nothing to do with this reservation, or that we don't know the person that reserved the room, and that we were nowhere near Texas at any time -- - XXXX XXXX also declined to reverse the charge. 

Please assist us. We are extremely frustrated that we are responsible for this payment that we had nothing to do with. This was a fraudulent charge and I don't know what else to do to rectify the situation.