davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (NY)

PNC bank claims that my son took out two loans using me as a co-applicant in XX/XX/XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency XXXX XXXX XXXX. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted XXXX XXXX XXXX and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and PNC bank was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with PNC bank but XXXX XXXX XXXX representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now PNC bank attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.
Consumer complaint received 2017-11-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

On XXXX-16 after being presented with a notice of default by OCWEN LOAN SERVICING, LLC I sent a Qualified Written Request for information, including but not limited to the true owner of the mortgage and note. This notice was signed for by OCWEN and completely ignored and now the foreclosure proceedings are in progress. 

Secondly, in a previous foreclosure attempt OCWEN LOAN SERVICING, LLC sent to me a notice indicating that my home was scheduled for a foreclosure sale, while there was no sale authorized or scheduled by the court in SC. After several written requests to verify this with OCWEN, they indicated in a letter that it was factual, my home was scheduled for sale and they would provide further details in a separate letter. This never happened. I sold most of my furniture and was left in a panic, only to find out that the case was dismissed by the SC court for lack of standing by the plaintiff.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Hi! My Paypal account has been permanently limited without any reason and I am unable to get help from their customer service team as they are unable to help regarding account restoration. I just created my account a few weeks ago and upgraded it to business and it was limited right away. I have not broken any of the user agreements or done anything wrong. Please investigate this case and help me to get my account back. 
My PayPal email : XXXX XXXX
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have a student loans with navient dating back to XX/XX/XXXX-XX/XX/XXXX. thru most of the earlier years, I signed up for forbearance but around XX/XX/XXXX, i got act together and they put me on a payment arrangement based on income. Each year, my payments went up but still affordable until about XX/XX/XXXX or XX/XX/XXXX. On a sunny XXXX day, I log into my bank account to see that over {$900.00} was withdrawn from my account. My normal payments were approx $ XXXX/month. 

I called Navient and asked why and how to i get the money returned because I can't afford $ 900+/month. At this time, they said my only option was to pay the $ XXXX/month or go into forbearance AGAIN. I said that makes no sense, I'm telling you I can afford $ 300-ish per month and you will not work with me. So i took the forbearance for a few months to only get notified that I my payments would be greater than $ 900/month now due to the forbearance. Fast forward to today, and my loans are no with collection agencies. I'm working to clear up my credit and was simply going to pay off the loan - approx $ 12K, in  full until I heard about the lawsuit against the company for misguiding borrowers. 
Now I don't know what to do. Do I qualify to be a part of the lawsuit? I am not a teacher or public servant. If i do quality, should I pay off the loan now OR do i wait?
Consumer complaint received 2018-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IA)

On XX/XX/2018 about XXXX XXXX my mother who is the co-signer on the loan contacted Navient and paid part of what was due. At that time the customer service agent told her that the loan would be brought to current and the next payment would not be due until XX/XX/XXXX. Since that time I have gotten 19 harassing phone calls and counting telling me that my loan is past due. I called yesterday ( XX/XX/18 ) at XXXX to ask why I was still being called, to which the customer service person told me that there was a note on the file and it was the case that the loan was brought to current but took some time to reflect that as it was paid on a Friday. I'm not sure what day it was paid on has to do with anything or why they can't see the note on file. After talking with them my mother and I have both received emails today ( XX/XX/18 ) saying the the loan is past due and to contact them immediately. I had previously received an email that said that my contact information may be outdated and to contact them, which was another ploy. My mother and I both feel we are being harassed about an issue that they have said was taken care of.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, there're 4 tax payment ( grouped ) hit on my Chase business checking account, however, my funds in the account is insufficient, so Chase had charged me the over-drafting fees for a total of 4 times. ( 4 x {$34.00} ) I understand there will be penalty for insufficient funds, however, the fees should not be charged multiple times within in a day! It's not fair to charge that for a group of unrealized tax payments hitting the account at the same time. 

Chase had tried to made it into a reasonable case that they had refunded me such fees before so they can not do that again and it could go up to 6 times a day for over-drafting fees. Again, I want to definitely file this complaint as this is absolutely not fair to charge it for multiple times, if I fail to keep the balance for one time I will take the penalty for one time, but not multiple times within a day! how would I know how many transactions will hit for the same time at one day as a busy small business account? That's ridiculous! 

As a five years old customer with Chase they did not even get that resolved for me. Please be aware of the big drawback for using Chase as small business account!
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I received a notice that my bank account ( held jointly with my husband ) at Citizens Bank was overdrafted. I immediately reviewed my account and found two fraudulent checks cashed on the account. The first was for {$4200.00} ( cashed XX/XX/XXXX ) and the second was for {$1800.00} ( cashed XX/XX/XXXX ). In total our bank account was debited for {$6000.00} in fraudulent transactions. I verified that I still had in my possession the legitimate checks and went immediately to the bank where they filed an investigation and had me sign an affidavit, opened a new account and put a fraud warning on the original account. 

We have tried to follow up several times with Citizens Bank to determine when our account would be made whole and we have had little to no help. My husband attempted to reach out to the Loss Prevention group and no one would speak to him. We jointly spoke with a woman in the customer service department on Saturday XX/XX/XXXX that told us that our investigation would be closed on Friday, XX/XX/XXXX and the funds would be returned to our account. That woman was supposed to follow up with us to answer some additional questions regarding Citizens repeated attempts to pay a bill from our account and she never returned our calls so I then went into the branch on Thursday, XX/XX/XXXX and spoke to a local representative. He called the fraud department directly on my behalf and was also told that the investigation would be closed on Friday XX/XX/XXXX and the funds would appear in our account by Saturday XX/XX/XXXX. He even confirmed that he was allowed to relay that information to me. Those funds have still not been returned to us. I followed up this morning with the same local representative who again reached out to the fraud department for us and we are now being told that they won't return our funds to us until they recover them from the banks that cashed the fraudulent checks. My husband called again to customer service this evening and was given the same answer and told that they were allowed to keep our money from us for 8 weeks. 

We live paycheck to paycheck and can not pay our bills without this money. Citizens Bank does not deny this was a fraudulent transaction. We have showed them the physical checks which are still in our possession. One of the fraudulent checks does not even have the correct bank account information on it, however they were still cashed. Citizens Bank should not be forcing us to take the penalty on this. We have been promised that the money would be back in our possession by now and they have decided that they'd rather their customer feel the pain than make us whole. Citizens Bank clearly does not value their customer service relationships. They've lied to us and led us on for weeks now.
Consumer complaint received 2022-03-30
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. (FL)

XXXX XXXX Dept of ED continues to report accounts to my Transunion credit profile. I have recently filed complaints against Transunion for allowing this and they have continued to ignore my findings and do investigations with the creditor, putting me at an unfair advantage. I have never allowed Transunion to report this account to my profile. My report never showed XXXX on it. Prove to the government that I signed off on a loan with XXXX with my black ink signature. This is a fraudulent account and the dates lie. They said that it was reported on my report in 2012 however I have provided you proof this account never was on my credit report prior to a month ago. I demand Transunion & XXXX delete this Fraudulent account from my credit report immediately. Pursuant to 15 USC 1681b, Permissible purposes of consumer reports I never gave you any written consent to report this account on my consumer report.
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (DC)

XXXX has claimed on two separate occasions that their turn around for loan verification is 3-7 business days. After 4 calls and now a month of waiting, I still have not received my loan verification form for my employer. I need it because my employer, as part of my employment, pays for part of my monthly payments. They only pay for the months going forward after the paperwork is finished, therefore I am paying out of pocket for loan payments that my employer would have picked up had the paperwork been returned on a normal schedule.
Consumer complaint received 2018-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (MD)

i have been receiving at least 5 or more calls daily from different phone numbers last time i spoke with someone they were really aggressive threaten to sue if I did not resolve this balance. she called today and angry and hung up on me after i questioned her how did she get my work # that I never provided.At the beginning I did offer a payment arrangements and the first lady was like no, if you don't pay in full i'm fwd to the pre-legal dept. {$50.00} a month i was able to do. I did not provide my work number, they called my job looking for me. I advised her that she has my cell and email address to contact me. All i want them to either agree to the payment plan or proceed otherwise but don't threaten me or repeated calls.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX i was sent email from XXXX XXXX XXXX saying that XXXX XXXX reported two cases at a home where I never rented from or signed a lease too on my credit report and consumer report. The property was leased to my father and we share a name. Its preventing me from renting a home for my XXXX child and family. I started a dispute process however, it can take up to 60 day when i have until XX/XX/XXXX. I never missed a single rental payment please help me clear my name. Equifax I believe is the credit report its pulling from ive told them in the past of this issue however it was never resolved even though i sent in documents XX/XX/XXXX
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TN)

It appears that CREDENCE RESOURCE MANA is trying to collect a debt for XXXX for the amount of {$550.00} this is not my debt and they are still to collect money from me that I do not owe I have repeatedly try to talk to XXXX about this debt and it is repeatedly showing up on my credit report, no one has sent me any notice about this debt yet they will not take it off my credit reports. It appears to return on to my report every so often. This is not my debt I have asked for written validation as to this debt in years past and none was given and it is causing me to not be able to get my credit fixed so I may purchase a home. They are creating a big problem in my financial life.
Consumer complaint received 2018-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (NC)

XXXXXXXX XXXX XXXX has serviced my loan, they are suspicious because they stated that my loan was transferred from Fairway Mortgage company to them, yet the billing address, website address, payment address, matches everything with Fairway Independent Mortgage. They have not handled payments correctly, and they have not paid my property taxes on time. Per their automated system, as well as their agreement. They are supposed to pay my taxes on XX/XX/2018. This is when the taxes are due. I have been advised that they will be paid on XX/XX/XXXX. This is not when the taxes are due. I have received two different notices, and when I called in to speak with someone about it. I got a gentleman on the phone, named XXXX XX/XX/2018 who said that I did not understand the process and they will not be paid until XX/XX/XXXX regardless of what I said, or my tax bill reflected.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

The bank has restricted me from using my card and its been several days now. I have not been notified ahead of time that i wont be able to use my card. i have contacted the bank to ask why i am unable to use my credit card and the response i got was that they are doing verification and that i would have to wait 2 weeks before being able to use my card. This has jeopardized my livelihood as my bill and rent are paid from my credit card. I believe this is NOT a fair and right way to handle such issue and i am asking CFPB to intervene and resolve this matter for me.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 two ( 2 ) payments were made and posted to my Citi credit card. One in the amount of {$2500.00}, and the other payment in the amount of {$200.00}. The {$2700.00} paid my credit card off. Once the card was paid off an offer came up to take a citi flex loan of {$9500.00}. The flex loan would be offered at a rate of 7.99 % and be paid in 34 payments. It clearly showed this on my XXXX statement. This then changed the following month. {$2500.00} was being charged 21.99 % and the remaining {$7000.00} was being charged at a rate of 7.99 %. The payment stated in the Citi Flex Loan was {$230.00} each month. Now I am paying approximately {$360.00} a month versus the {$230.00}. 

This account needs to be put on the Citi Flex loan that I signed and agreed to at 7.99 % and {$230.00} a month. 
Ive contacted Citi 3 times without resolve.
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (ME)

Apparently XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania has repeatedly phoned my friend 's house demanding to speak to me about a debt. My friend has already told them I do not live there and asked them to stop phoning. NCB staff are phoning my friend every single day. When my friend picked up the phone yesterday, the caller was completely silent. This appears to me to be deliberate harassment.
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TN)

on XX/XX/XXXX, XXXX XXXX XXXX reported to the credit bureau Experian that I have a debt from XXXX. Which is completely false and inaccurate. I sent a letter to them on XX/XX/XXXX and bureau asking their method of verification and they could not provide the facts. In writing I ask them to provide the vadilty of this debt. Experian wrote back on XX/XX/XXXX saying it's verified but failed to show proof of this debt to me. They LIED and did not attempt to verify this debt. I am requesting this debt collection be removed from my files. I need to see name of person they spoke with and documentation used to verify this account. I do not trust that within 7 days they verified this debt.