davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I have contacted Navient, and previously XXXX  ( I think ), several times concerning loan forgiveness as a XXXX  in a low income, high needs XXXX for over 5 years of service. I was told several three or four times I would be forgiven XXXX dollars for sending in the paperwork over the phone. After the initial application, I received a denial letter for XXXX for the XXXX instead of the XXXX XXXX portion. When I called, they intimated my loan does not qualify for the XXXX. I inquired about he XXXX and they said it did not qualify for that either. After completing research again and looking into my Spousal consolidation, I called back to find out what I could do and why it didn't qualify for forgiveness. I was then told it did qualify and I needed to resend the paperwork in and it would remove me from the loan and leave only my Ex-Wife 's portion. After re-obtaining the paperwork, I called to find out where to send it, as I was super excited to be done with my half after getting " the run-around '', I was told my loans didn't qualify. I then asked how to get a copy of the transcripts from the call for evidence of what I was told in the conversation, which was not honored. I wrote an inquiry letter to the transcripts department and received a response stating I would have to subpoena the information in order to receive a copy of the transcripts ( XX/XX/2018 ).
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

Dovenmuehle continues to harass me every week with requests to show homeowners insurance from XX/XX/XXXX-XX/XX/XXXX. I have been showing this information to them repeatedly since XXXX. I bought this home in XXXX, unfortunately it was sold to Dovenmuehle which is the most incompetent servicing company I have ever dealt with in 22 years of owning homes. When I purchased this home the underwriter failed to inform me of needing Hazard Ins. It went to closing and was approved with the homeowners coverage that is standard. Dovenmuehle bought it late XXXX and failed to inform me of there requirements until late XXXX so No I did not have Windstorm until XXXX because of not being informed properly of these requirements. I did follow there requirements and bought windstorm on XX/XX/XXXX that Dovenmuehle shows started XX/XX/XXXX. They harassed me about the back dated insurance charges for weeks. Finally they fined me XXXX and change for the months that I didnt have windstorm. Thought that would be the end of it. Nope still getting harassed with new letters asking for proof of coverage.. These incompetent servicers then screwed up my escrow analysis stating I have two insurance policies that are both XXXX and increased my monthly mtg payments to XXXX more a mth. Spoke w/supervisor and hopefully its cleared up. But doubt it with there history! Then they claimed I had lapsed on homeowners once for a few days. Charged me XXXX and change for that. Showed them the ins. Declaration page and they said it would be corrected. Still not! One thing after the next and they are just ready to slam the fines on you for there incompetence. It seems like they are in business to harass, bully, and try to get your home foreclosed. This should be illegal! If any attorneys want to take on this company I would love to join a lawsuit!
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2020 at a XXXX XXXX XXXX XXXX my card was declined I had to leave groceries at checkout. I went to my Bank of America EDD Debt Card App only to discover that my bank account was emptied the total of {$980.00} was taken out at an ATM in XXXX California and I have never been there I immediately called the Bank of America EDD debit card number and filed and reported the theft okay and I have since then had to file four more complaints and I still keep getting the results of the bank telling me it was fraud on my account detective XXXX from the XXXX police department has recovered the video at the ATM from the bank in XXXX California and has on the video the suspect and using the ATM the police report is filed the detective has the video and has shared it with agencies here with all of this information I still have no results from the Bank of America EDD debit card people and I have four claims that say it was my fault they are absolutely doing nothing to help me it is criminal at this point they're negligence please help
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TN)

XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. Reporting turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by XXXX day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the discover student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.
Consumer complaint received 2021-06-15
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: JPMORGAN CHASE & CO. (NY)

please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXXXXXX XXXX  Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I graduated college in XX/XX/XXXX, in XX/XX/XXXX I had started paying off my student loans at a loan by loan process. My goal was to pay off my higher interest loans immediately with cash I had saved prior to, in hope that I could drive my aggregate interest rate down, when I decided to make an attempt at consolidating the loans. Around XXXX, after doing exactly what I planned and paying off the higher interested rate loans, I started inquiring about consolidation options. At the time, the highest interest rate loan i had was approximately 4 %. By XX/XX/XXXX, after reviewing my account to attempt to pay on my loans, I had noticed, without any signature or confirmation from me that Navient consolidated and disbursed at a 5.125 % interest rate. The worst part about all of this is that they had reimbursed me for ( 2 ) loans I had paid in full ( 1 @ $ XXXX/6 % Interest ; 2 @ $ XXXX/5 % interest ) without my authorization. The other explanation that was not provided to me, was that the consolidated subsidized/unsubsidized student loans had an interest rate that accrued daily, essentially giving Navient a 100 % return on the note over the 20 year term. I would have never signed off consent for a loan structured in this fashion, and would never agreed to such an inflated loan. I have paid roughly {$11000.00} to Navient over the past 4-1/2 years, of that roughly {$3000.00} or more has been paying on interest, that is not 5.125 %. Navient wasn't even the original note holder on my loan, some how without me knowing, Sallie Mae was no longer in the picture and Navient took me to the cleaners.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi my name is XXXX XXXX my capital one credit cart is close because payment is returned I understand its my far but I need las chance open again my account I fix it that problem I dont need my credit history go down please help and give me at other chance I call costumer service but thay dot give me any chance please help
Consumer complaint received 2020-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC (WA)

1. Change of Address was complete to ensure XXXX XXXX was directed back to our Estate. Dated, XX/XX/2020. Claim 1. XXXX Hospital, where request was originated did perform service of changing address of Title for Foreign Trust. Claim 2. XXXX  hospital STOLE and SOLD my RAW data to the U.S Department of Agriculture. Claim 3. We have the proof. Claim. XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX USPS, is party who recorder the transaction.
Consumer complaint received 2022-02-02
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I have submitted two complaints with the CPFB asking Chex Systems ( a credit reporting company ) to tell me the reason XXXX XXXX XXXX gave in requesting my credit report on XX/XX/2021 because I believe that XXXX did NOT have a valid reason for the request. Chex Systems has twice refused to answer that question and instead replied that it removed all evidence of XXXX 's request thereby covering up what I believe to be a violation of the FCRA.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (SC)

I applied for a Discover card in good faith. They approved a new card for me on XX/XX/2020 which was reported to the credit bureaus. On XX/XX/2020 I was informed that my account was to undergo a verification process which I happily complied with. On XX/XX/2020 Discover made a " business decision '' to close my account. This will negatively impact my credit report through no fault of my own. I contacted the company and they refused to give me any additional information. Basically they are accusing me of submitting a fraudulent credit application which is not true. What remedy do I have to correct this situation?
Consumer complaint received 2020-02-24
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: Experian Information Solutions Inc. (AR)

My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2020-02-24
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. (AR)

My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2024-02-12
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. (OR)

My dispute portal was disable and I am not able to dispute information on the website. I have mailed information in to the address provided via certified mail and it has gotten returned to sender due to it being an incorrect address.

This corporation has invaded my privacy and violated the GLBA I demand a proper reinvestigation into this matter as damages have happened due to the this unfair reporting in pursuant to 15 USC 6801 ( a ) Privacy Obligation Policy It is the policy of congress that each financial institution has an affirmative and continued obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

I never gave this corporation permissible purpose to report this information and they never clearly or conspicuously disclosed that they would disclose this account / inquiry further more they never gave me an opportunity to opt out of this account being reported in pursuant to 15 USC 6802 ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless -- - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other forms permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never gave this corporation permissible purpose to report this information and they need to immediately remove all inquiries and accounts. I reserve my right to recourse under the FCRA and will seek remedy for all damages suffered.
Consumer complaint received 2021-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020 I the federally protected consumer entered a consumer credit transaction with an open-credit plan and have been using the vehicle for household and personal use. As Captial One credit company is the extention of my credit extended back to me the original creditor. Using my social security card they were fully paid at the start of the transaction, using my social security card. They don't have nor can provide me with the original contract for this alleged debt. Anything purchased using my social security card which is under the administration of the United States Corporation. They are responsible and liable for, that's why the alleged statements come in the positive balance and you can't pay on a positive balance. They are a ambiguous debt collector furnishing deceptive forms in this corporation and need to be legally accountable for their actions as a debt collector. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to the Truth and Lending Act or else I will pursue federal litigation 's if needing the re-enforcements on the facts of Federal Law.
Consumer complaint received 2020-02-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

XXXX XXXX XXXX XXXX XXXX has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$4100.00} which is incorrect, I do not owe them anything. I explained to them that I was currently in a lawsuit with Speed Cash XXXX  for them violating my rights and withdrawing funds out of my Checking account without my authorization. 
XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$2400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$2400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt. 
XXXX XXXX XXXX XXXX XXXX lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. I spoke with four representatives at XXXX XXXX XXXX XXXX XXXX. I fist spoke with XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and a supervisor XXXX ( XXXX ), XXXX even stated that she would call the credit bureaus and updated the immediately and giving me an AUD # XXXX. This was all a lie just to take my money in which the took from my bank account on XX/XX/2020.

Expand XX/XX/20 PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX KS XXXX CARD XXXX {$2400.00} I would like XXXX  XXXX XXXX XXXX XXXX 2 immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My daughter purchased a vehicle 6 years ago, which I helped co-sign. This was thru XXXX XXXX. About 11 months ago my daughter refinanced the loan with Capital One. The keyword being re-financed. I did not co-sign on this particular refinance, They even called me and asked if I wanted to be kept on the loan ... I said no, and they said I didn't have to be on the loan ... .she was doing this on her own. Well it has now come to my attention that they DO IN FACT have me as a co-borrower ... .I have signed nothing. They have fraudulently listed me on my daughters vehicle loan.
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Several years ago, I established a personal line of credit and credit card along with the checking account with First Citizens Bank. The LOC is also used for overdraft protection. I was urged by the bank and agreed to allow them to set up both the credit card payment and the LOC payment on autopay through my checking account. The checking account is not my primary checking account. I only set it up because the bank required it in order to give me the credit card and LOC. 

On XX/XX/2020, FCB attempted to execute the payment for one of the accounts and there were not enough funds to cover it. There were also not enough funds in the LOC to cover it. So they charged me a {$36.00} fee. However, there were enough funds in the LOC to cover the fee though so on XX/XX/XXXX they added {$36.00} to my checking from my LOC and took it. Then they charged me an additional {$36.00} fee on XX/XX/XXXX, added {$48.00} from my LOC, and took an additional {$12.00} fee for the service of adding the money from the LOC. This same set of charges and fees happened again on XX/XX/XXXX and XX/XX/XXXX. 

While FCB has all of my accurate contact info, I was not notified by email, text, or phone that any of this was going on. And since it's not my primary account, I didn't discover any of this until today ( XX/XX/XXXX ) when FCB called me because my LOC payment was late. I asked about the fees which total enough to cover the  payment that's due with the argument that if they had reached out to me in any way and I had known what was going on, I could have stopped it from happening and preserved enough funds just from fees to make the payment. I asked them to refund the fees. I was told " this is just the way things work and that they had done nothing wrong so since it's not a bank error, they can't refund the money. '' I've been a good customer and always paid on time. I have multiple business accounts with them also and have never had any problems. The coldness with which I was treated was astounding. Especially given the amount of interest I've paid them over the years and the money they make using my business funds essentially for free since transaction accounts pay virtually no interest to the customer.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION (UT)

On XX/XX/2019 an order of tires was place with XXXX XXXX  XXXX. They didn't have the tires at the shop and they said it was going to take days to get them. After some research on use tires for Semi Trucks I decided to invest in new tires instead of use ones, for safety issues. I called the shop and the credit card BBV and asked them to cancel the charge. I explained BBVA credit card that we canceled the purchase and we want it to make sure they cancel the charge, because we never got the tires anyway.

The first time customer service said they no problem, the charge was canceled. They never canceled the charge they send payment to the company. I submitted a dispute about the amount {$1900.00} and they never send me any information about that, and until this morning every time I called BBVA credit card to get information about the charge, they place my call on hold and hang up the phone at the end, it has been about 10 calls and every single time they hang up on me, only one time that I was able to talked to a manager he said he was going to work on it and send me a letter, I haven't receive anything and my statement still shows the charge. I can't find a way to resolved this issue and I can't talked to anyone because they disconnect the call every single time I contacted them. I contacted the shop but they don't want to listen to anything they said call the BBV credit card. We only received threats on writing from the Owner. 

Credit Card : BBVA XXXX XXXX XXXX XXXX AL XXXX Customer services XXXX Transaction # XXXX for the amount of {$1900.00} Shop Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX UT XXXX XXXX
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: U.S. BANCORP (SC)

I applied for a personal loan on US Bank website. It was unsuccessful because it said there's no branch near me. 

However, ever since my unsuccessful application, US Bank has sent me soliciting email, one per day, every day. Please ask them to stop sending me this email.