davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

I had a charged off account ending in XXXX in XX/XX/XXXX. I went to the XXXX Tx branch in XX/XX/XXXX to open a minor account but was told I could not until {$300.00} was paid from my charged off account. I made the payment and opened my new account. On XX/XX/XXXX I went into the The XXXX branch to open another minor account which the representative XXXX  told me that I owed XXXX. He then did further investigation and stated there was an alert that the balance was paid in full but there wasn't any notes. After consulting with his assistant branch manager they opened one checking and three minor accounts. I made a deposit of {$320.00} in account ending XXXX. Later that day {$300.00} was taken from my account. I went to the branch XX/XX/XXXX and the branch called the back office where we spoke with XX/XX/XXXX, which was very rude and continue to talk over me. XX/XX/XXXX stated it was a error on my end and there wasn't anything she could do. I asked for a supervisor XX/XX/XXXXstated the supervisor wasn't available and they was going to tell me the same thing she told me. I did not authorized this transaction nor was I advised it was being taken. I haven't gotten anywhere with this
Consumer complaint received 2024-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (OH)

I have sent letters to request that the debt be verified or removed. The debt was not verified and was removed from my credit reports only to be sold to a different collection agency and is now back on my credit report again and I'm going around in circles.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened my business account on XX/XX/2023. Because of the nature of the business I am in ( XXXX  ), I typically deposit checks from insurance companies and individuals for relatively large amounts. I began depositing checks and noticed that they were not clearing up to 2 weeks. I inquired about the slow turn around time and they told me that it would only be this way for the first 30 days. It has now been almost 6 months and it is continuing to happen, in fact, it has never stopped. I deposited a check on Thursday the XXXX in the amount of {$14000.00}. I still do not have access to the money and, what's more, I have {$13000.00} in my account. I went to the branch in XXXX, Tx on XXXX XXXX and could not get any assistance but was provided with a phone number that no one seems to be answering. I can not conduct business in a timely manner because of this and would just like some assistance. I do not understand, if they can take my debit charges out of my account in 30 seconds, why can they not verify funds electronically and give me access to the checks I deposit?
Consumer complaint received 2018-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Keep getting repeated from this caller and has been this way since XX/XX/2018. I don't have any debts and I pay all my bills. So, either their trying to place a debt from maybe a family member on me, also known as 'skip tracing '.
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I was trying to make online payment online like everymonth but this month I was not able to do it. I noticed last month that I was place on automatic draft from my acount and this was my second time they adding me in this program. I removed my self from this automatic deduction and when I tried to make this month payment, I was not able and the messasge said to contact customer service at XXXX XXXX XXXX which I had tried for 3 days and I get place on a waiting recorder for 1 1/2 to 2.0 hrs and then all sudenly the call drop. I contact them tru message and they say because I made 2 payment with insufficient money this is why i'm in the block payment. I explained that I had never requested to be on automatic deduction and twice I removed my self from that services. I asked to talk to a supervisor and so far noone has call me. I just want to make my payment on time and not pay any late fee or being late on my payments. I had NEVER missed a payment or been late. This is not my fault but I'm getting penalized by the mortgage company and they do not want to help or work with me on this issuse. I have this loan for over 20 yrs already and never been late
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CO)

I had an account with XXXX which was paid thru XXXX XXXX XXXX and i finished paying my account when it was closed but i noticed a couple years later there was a collection on my credit report from XXXX XXXX XXXX. I paid it but it is still showing unpaid on my account. This is an overpayment. I have tried to get it removed with the credit bureaus with no success. Please help me to get this removed as it is effecting my credit score for the home loan I'm attempting to get. Any help would be greatly appreciated.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with HUNTER WARFIELD or any of its Affiliates nor have I ever engaged in any business with HUNTER WARFIELD in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I have been awaiting a manual recount of my number of eligible student loans payments for PSLF since  XX/XX/XXXX. It was estimated that they are off by at least 9 payments and this significantly impacts my PSLF eligibility date.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Orion Capital Solutions LLC (NY)

On XX/XX/2023 the debt collection company attempted to create a payment plan that I did not consent to for a debt that I do not know. When I reached out to them, they did not provide me the information stating that I owe the debt and then asked me to provide information that it had been paid. The burden is not on me to show that it has been paid, the burden is on them to show that it is owed. As an attorney I will take every possible action
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

This Complaint is against Ditech Financial LLC, Ditech Holding Company or wahtever name they chose to do business under today. I've attached documents showing my Escrow Analysis documents from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents show an increase in my county tax payments. I believe these are accurate. These documents also shows an increase in my combined Property Insurance which I do not believe are accurate at all. I did not request any changes to my Property Insurance coverage and I have tried to contact the company, but I never get anyone to answer the phone. I also have just received a letter concerning Ditech filing for Bankruptcy so I did some internet research and found thousand 's of  complaints against Ditech and their Holding companies. Many of these complaints are very similar to mine and go far beyond my experiences with this company. I believe Ditech my be charging me for property Insurance that is not required under my mortgage agreement or by city , county or state law.
Consumer complaint received 2019-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

{$10000.00} has been missing for 4 days that was transfered from PayPal to XXXX. 
I transferred {$10000.00} from Paypal to my account at XXXX ( XXXX XXXX, XXXX, PA branch ) and I paid extra ( {$10.00} ) for instant transfer at XXXX pacific time, XXXX EST on XX/XX/XXXX. Today, XX/XX/XXXX, 4 days later the money has not arrived and is lost. I made 3 phone-calls to PayPal and they assured me the money left their bank on XXXX XX/XX/XXXX, claiming it is XXXX 's problem, I made 3 phone-calls to XXXX and they claim they never received the money. I made 4 subsequent transfers from sales from PayPal to XXXX ( all smaller amounts, less than {$1000.00} ), did not pay the 1 % or {$10.00} fee for instant transfer, and all of these arrived at the bank the same or the next day. My {$10000.00} is missing and still lost, PayPal claims they send it 4 days ago, XXXX claims they never received it.
Consumer complaint received 2023-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BCI FINANCIAL GROUP, INC. (FL)

In XX/XX/XXXX I got a Heloc from XXXX XXXX for {$500000.00} It was a 20 year loan with 5 years interest only. I was still billed at 3.5 fixed every month after the 5 year interest only period. I paid a little extra every month. Every statement said 3.5 fixed. It is now XX/XX/XXXX and they want to bill me {$41000.00} for past due principle and interest. At no time did my monthly statements reflect a rate that was variable to XXXX XXXX Had I ever been notified in the past 3 years that my interest rate was going to increase 5 %, to 8.25. I could have shopped for a new loan at a competitive rate. The bank is now called City National Bank. 
My loan # XXXX Interest through XX/XX/XXXX {$18000.00} One days interest {$99.00} Late charges {$250.00} Past due principle {$20000.00} I just received a second notice demanding {$41000.00} My loan shows a principle balance of {$430000.00} In XXXX of XXXX I was notified of a retroactive increase of interest for over a year in the past. 
For over 7 years every statement I received shows 3.5 %. 
The bank is now demanding 8.25 % and {$41000.00} to cover previous principle and interest. 
As a consumer, had I been billed properly, I could have governed myself accordingly and shopped for a better rate. Every statement shows 3.5. I have every statement. The bank is demanding money they did not bill me for. 
The original note did dictate a variable interest rate, but it never was billed. 
Every statement up until XX/XX/XXXX said 3.5 fixed.

As interest rates increased, had I been notified, I could have refinanced. 
This is the fault of the bank. 
The bank billed at 3.5 % The solution would be to maintain the loan at 3.5 and retract the demand of almost {$42000.00} I followed my statements and paid what I was billed and more every month.
Consumer complaint received 2023-08-18
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. (AR)

I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by XXXX, XXXX, and Equifax. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

in accordance with Fair credit reporting act XXXX has XXXXiolated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2021-02-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, we respectfully filed a complaint with the Florida Attorney General against Bank of America for failure to abide by a stipulated agreement on XX/XX/XXXX. In exchange for a loan modification, BOA demanded that we sign a consent to judgment. What happened next will blow anyones mind. After the consent was signed, BOA failed to provide a loan modification and instead transferred the loan to fraudulent Rushmore which they tried to sale our home a few times while ignoring many mortgage assistance request. BOA entered into a consent to judgment in all 52 states including Florida for Unfair Business dealings in regards to loan modifications. BOA failed to abide by its own consent to judgment with the United Sates of America in connection with our loan. The last correspondence from BOA they indicated to have a resolution by XX/XX/XXXX. As of today XXXX XXXX, BOA not only failed to provide a resolution but also failed to answer the complaint to the Attorney General. Sanctions should would be appropriate at this juncture.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have sent a payment but was not processed on time, after I sent the payment it took them 3 weeks to process the payment which made it late because of their fault not mine. paid the entire balance, my balance was supposed to be {$0.00}.
Consumer complaint received 2019-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

Navient has been raising my interest rates. The rate was 4.25 for years. Now it is over 6 %. I asked to see a promissory note showing I signed a variable interest rate loan and they have yet to furnish one. I believe this company is raising my Interest rates un fairly now that I am close to paying them off.
Consumer complaint received 2018-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

On XX/XX/XXXX I received a letter from Linebarger Gggan Blair & Sampson LLC Attorneys at law indicating per letter I owe the state of PA XXXX Since XX/XX/XXXX. 

I attempted to contact these people but no one answers the phone. The phone number on letter XXXX ext XXXX. 

I do not know what this is all about? And I want proof from the state of PA that I owe this.
Consumer complaint received 2019-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ph XXXX accXXXX, Im am a first time home buyer who have been victimized by M & T Bank. I was behind two months due to fixing issues to my home, M & T constantly harassed me to remodify my loan. I refused therefore the stated I owed money on my XXXX payment and simultaneously put my account into collections. The demanded that I pay an inflated amount of money and refuse to deduct the XXXX check. It is against bank policy to put an account into collection unless it is 90 days over due. Since then they have place my home up for auction and has refuse to right this wrong, please investigate. In addition The Dept of Financial Service of New your state has proof of my requests.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a call today ( Friday XX/XX/XXXX ) from a supposed debt collector who knew my name and date of birth. I confirmed it was me. He said he was calling about a debt with a Credit Card ( a XXXX XXXX ending in XXXX with Capital One ). I told him I was never a client of that bank ( honestly, I have never even had a XXXX in the XXXX ). He insisted that the debt was now USD XXXX, last payment received successfully was in XX/XX/XXXX ( {$59.00} ) and debt started to increase in XX/XX/XXXX ( almost 5 years ago and this was the first attempt to contact me?! ) When I asked for more details, they requested the last 4 of my social and I hung up, thinking it was a scam call. 
Now I wonder, what if it wasn't a scam call and I was a victim of ID theft? The number they called me from belongs to XXXX XXXX XXXX, but they never mentioned the name of that company during the call. 

How can I make sure I don't have a debt? 
What if the debt exists but it's the result of ID theft, do I still have to pay for it? 

Any official information would help. 
Thanks.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

As far as i can remember the XXXX accounts listed on my credit report are very old, more than 10 years ago or more from the date it was reported delinquent. ( A ) XXXX  XXXX XXXX, XXXX. is trying to collect - {$600.00}, ( B ) LVNV Funding LLC. is trying to collect {$480.00}, and I don't even remember the original company 's name and the amount that I actually owed them, and it could have been paid for when I filed for bankruptcy XXXX years ago. According to Federal law after XXXX years, such reports should have come off on someones credit report. Information was taken from XXXX XXXX
Consumer complaint received 2020-07-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Northern Trust Company, The (IL)

XXXX XXXX XXXX closed my mother 's accounts and has not appropriately sent her the money or made them available via the escheatment process. The funds should never have been escheated. Northern Trust was calling me to obtain personal information. Due to potential fraud my daughters have advised her to never answer personal questions and to ask for everything in writing. They did not send a letter until XX/XX/2020 and said they were escheating my funds on XX/XX/XXXX. By the time I received this I had only XXXX business days to respond and I do not feel comfortable responding - my daughters take care of all my bills. By the time we could call they said it was too late and they escheated the funds. They have been unable to show that they followed the proper escheatment process. It has been months and the money is not on our State Treasurer unclaimed funds. Please note this was all pre-COVID. They are being extremely difficult - customer service is not giving us answers and say they will call but they do not follow through. Their treatment of a senior citizen is shameful. I would be wary of investing with them, it is not an ethical organization.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX I had got a bunch of fraudulent charges on this account. The following are the dates and the amounts : XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$26.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$6.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$93.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$47.00} XX/XX/XXXX - {$60.00} I filed a dispute with American Express for these charges and went back and forth through multiple phone calls and faxed in declaration of fraud they requested. After numerous follow ups, they were not able to provide me with any information after stating that they would provide provisional credit while the investigated the claim. 

I never got any provisional credit and never got any calls back. Every time I would contact American Express they would not give me a definite answer and just kept going in circles. 

Finally they sent me a claim denial and would not provide a reason. Instead they said I needed to request in writing for a copy of reason used to come to this conclusion. I sent them a written request and got a response back that they did not have any information to provide. 

I have gone in circles and my fraud claim remains unresolved without any reason.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NY)

This company XXXX XXXX XXXX/XXXX  ( SYNCB ) have a hard inquiry on my XXXX  report. 
I tried calling to resolve the problem. 
I spoke with a customer service representative. I informed her this is a mistake, I never applied for a credit card regarding the airline. 

This is a mistake and idenity theft, I then ask her to remove this, she told me no, and to call XXXX  and ask them To remove this..then informed me this is not for a airline company. 

And she has nothing to do with it. They are located in XXXX Florida, XXXX. Phone number is. XXXX. Please help me remove this hard inquiry.