davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (FL)

I recently spoke to a rep to lower my payment and made it clear with a break down of my bills : mortgage, daycare, utilities, auto, insurance, groceries and XXXX  children I could not afford payments over {$150.00}. I was told my payment would not be over {$150.00}. I just received a notice today that my payment will be {$230.00} and now my balance is over {$60000.00}. Mind you, I didnt borrow over {$30000.00}. I am not even sure how its over {$60000.00} But this is a nightmare. I can not afford this. It will cause me hardship. I am the sole earner in my home. I have emergencies that come up. I can not struggle. I dont want to struggle. I asked for payments that would be comfortable but my requests were clearly ignored and now I am up at XXXX feeling stressed, exhausted and defeated. I regret getting student loans because it's become a nightmare I feel I will never awaken from
Consumer complaint received 2021-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I have been pre-approved a mortgage loan by Penfed credit union on XXXX, XXXX, got offer then go through all the loan process, however the underwriter denied my conventional loan process had issues interpreting the guidelines I found out attached links are proof improperly interpreting the guidelines XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . We have a longstanding policy on eligibility for non-U.S. citizen borrowers. XXXX XXXX purchases and securitizes mortgages to non-citizens who are lawful permanent or non-permanent residents of the United States under the same terms available to U.S. citizens. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Eligibility Requirements ( XX/XX/XXXX ) XXXX  XXXX XXXX Eligibility Requirements. XXXX XXXX  purchases and securitizes mortgages made to nonU.S. citizens who are lawful permanent or non-permanent residents of the United States under the same terms that are available to U.S. citizens. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

I have been trying since XX/XX/2017 to resolve a Identity Theft case with XXXX XXXX XXXX. I have never had nor have I ever opened a credit card account with them. I have never applied for a credit card with this company.

I spoke with the company several times in an attempt to resolve this issue. One of my last conversations with the company I was told that they were removing the account to reflect that I never opened an account with them and a year later I am received a letter from a collection agency.

I continue to receive letters after I have filed a police report, and had an Affidavit notarized and mailed back to the collection agency on their paperwork.

They are harassing me with letters about this debt that does not belong to me. I'm receiving a letter every week from them and when I call in I have a representative say to me, " Wouldn't it be worth it to pay the debt off? '' If it was mine, absolutely, but it is not. And I have follow all of their procedures to resolve this issue and it has not helped.

The amount on this account is : {$630.00} The creditor : XXXX XXXX XXXX The collection agency : LVNV Funding LLC.

Neither the company nor the debt collector can give me an account number for this account nor do they have my social attached to this account. I would like for them to please remove this information completely from my credit reports. 
Thank you.
Consumer complaint received 2021-12-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America credit card is DISGUSTING! I purchased renters insurance for one year with XXXX XXXX ( through XXXX and a HUGE MISTAKE! ) on XX/XX/XXXX for {$140.00}. The agent charged me and stated I would get the declaration page through email but days went by and I never received it. XXXX couldnt find my policy nor my information the five times I called. So I disputed it with the bank. Finally, XXXX found my policy ( which was really weird ) so I then closed the dispute and the funds were put back onto my card. 
A few weeks later XXXX started harassing me that I did not pay the policy in full and I still owed money. XXXX claims BOA never released the funds ( basically stole my money ) I even reached out to XXXX XXXX, from XXXX XXXX ( who now changed her number ) who stated my policy is paid in full and to ignore all the emails. 
Well now, I AM WITHOUT RENTERS DUE TO XXXX CANCELLING ME!!!! 
First off, I want to explain the lack of customer service skills BOA representatives have. They literally will not answer your call for up to an hour, each and every time you call. It does not matter what day of the week nor time of day, know that you will be waiting on the phone for a ridiculous amount of time. That is unacceptable. The representatives have been giving me the run around about the dispute. One rep in particular, XXXX, left me a VM and I have been calling her back 3 times every day since and she still has not responded. After reporting them to the XXXX, they are doing the bare minimum to say they are at least responding, but no one is really working on it. I called yesterday and after waiting two hours to talk to someone, I was told there wasnt even a claim number for my dispute!!!! 
Plus, BOA is keeping the funds on my credit card even though that amount is being disputed and the service is cancelled!! 
BOA is insisting XXXX has my funds so they are not doing anything about it. I am NOT PAYING for a service I no longer have. One of these companies stole my money and I for sure am not letting this go until I get refunded!! 

Please note- if you need any other documents for proof, I will gladly provide them to you!
Consumer complaint received 2021-04-02
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: TRUIST FINANCIAL CORPORATION (IN)

I got a couple of payments taken out of my checking account and then they stopped. I had called me bank and told them to stop and now they are starting up again and my bank is not putting them through but they won't stop and I have no idea what this is for.
Consumer complaint received 2018-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My Mortgage company has been charging my account for escrow fees each year, which was not on my original loan. They started doing this when I was late in paying my taxes maybe three years ago. They charge {$12000.00} k a year. By them doing that It made it more harder on my behalf yo come up with my monthly dues. i already have complained about this but all they did was to spread the payment over 12 months. Which Is I didnt find a solution. I just want this company to stop collecting escrow fees which I know that you only pay escrow when you buy or sell a house. I could definitely pay for my own property tax, from this day forward. My equity just goes to the chzrges that they impose every year. I want this company to refund me all the payment I made for escrow fees. My equity is gone because of the fees theh charge each year.
Consumer complaint received 2021-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy Federal Credit Union employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show Navy Federal Credit Union is reporting inaccurate information on my consumer reports by using different Navy Federal Credit Union addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. XXXX XXXX XXXX XXXX purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from Navy Federal Credit Union. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from Navy Federal Credit Union. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX  making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about this matter.
Consumer complaint received 2020-12-01
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. (NC)

On XX/XX/2020 an account by the name " XXXX '' appeared on my credit report as a tradeline. On XX/XX/2020 this account was disputed with the creditor and data furnisher. Experian required a copy of my drivers license and FTC complaint before they could " block '' the tradeline from reporting. As of XX/XX/2020 I have submitted the requested documentation via experian upload documents portal online. Please reference this complaint to further explain the dispute process and results as I am affected financially by covid 19 and any unnecessary delay before my credit report is adjusted to reflect as accurate could negatively impact my household.
Consumer complaint received 2018-04-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

called cell phone ( without permission ) left message they were referring me to the legal to contact local officials. The name on caller Id is XXXX XXXX in XXXX. This number XXXX XXXX XXXX. The caller is really XXXX XXXX XXXX
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXX was reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$86.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (MO)

I have tried to resolve this matter on my own but have not been able to, If you could assist me in resolving this issue. The following account is not mines : XXXX XXXX XXXX XXXX XXXX {$120.00}
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, I recently had an account with capital one bank which was closed due to their decision not to continue the business relationship with me. However, i have tried numerous times to call them requesting my funds ( I have a little over {$280000.00} ) which they are not able to give me any details about receiving my funds. 

I believe this bank is stealing my money and not communicating with me in regards to my repeated requests to receive my funds. 

I would like this matter investigated and prosecuted to the full extent of the law for this bank to close my account and hold my money hostage.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (PA)

Self Scammed me out of $ XXXX after almost 2 years of building my loan account and opening a self credit card. They Randomly closed my account when they notice I was close to paying off my loan account and my self credit had $ XXXX credit on it, fully paid off with good payment history. Self is a prepaid credit build program advertised to help people build their credit by opening an account and putting down a deposit. Every credit is from consumers and it is NOT credited by Self Inc. They yet to give a legit reason why theyve close my accounts besides my accounts are under review or return all my funds I deposited in my loan account and secured credit card account. Its going on 4 months.

And I plan on sharing this info everywhere and chance I get to leave a review about this company so people can be watchful of their schemes. Seem when you fully complete paying their stallment loan savings account and secured credit card they recommended thats when they hit you with a random/surprise review of your accounts and close it down causing customers to immediately losing access to all their funds we work extremely hard for and saved. Ive heard the same from bunch of people who had this seem experience Im dealing with right now after doing some research.

Below I'll attached screenshots of both my Self Secure Credit Card and And Installment Loan account balance at the time of Self closed my accounts, and conversation with Self ... they do not have a direct contact to their financial department so consumers have to email. Keep in mind each loan term is 12 months, and I select the {$150.00} payment for 12 months. I completely the first loan term for the first year and converted it to the secured credit card which give a a credit limit of {$1600.00}. Halfway through the second loan term I was qualified to increase my secured credit card limit with the already saved amount on my second stallment loan which was still in complete, they allow that to those with good payment and adequate amount saved. I Increased my secure card balance to {$2400.00} from my installment credit builder loan account. In XXXX, 3 months to completion of my credit builder loan account ... that's when they randomly closed both my accounts secured credit card and loan account with $ XXXX already saved in the credit builder account apart from my {$2400.00} paid Self secured credit card. My credit score also dropped tremendously due to them closing both accounts.
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There are some item resolve, closed, charged off, paid off and clear on XXXX. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My complaint # is XXXX. The following is an update. 
I received a Computer Reply to the Complaint. Once again the have not responded to my question. They are dunning me for {$230.00}. I have agreed to pay that amount provided they verify that I made the purchases in this amount including to whom requested. Thus far they have not answered my question which leaves me to believe the charges are False I am XXXX yeas old and would hope you will help me. 
By the way, Capitol One has reported me to the Credit Agencies.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

Well 's Fargo bank is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. 
This account is in a closed/charge off status. This account is posting activity well after closed/charge off. 
Most recently as XX/XX/XXXX. 

This account is reporting MONTHLY : a credit limit late payments past due Last Payment are posting inaccurate : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Reporting ( 3 ) different closed dates : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Multiple account numbers reporting : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased XXXX tickets on XXXX in XX/XX/XXXX. And the show was cancelled and the tickets were refunded in XX/XX/XXXX. I should have to get the refund in XXXX, but I did not get it at all till XXXX. XXXX said they have already refunded me and I should find BOA. Therefore, I filed a claim with BOA to resolve this in XXXX. While I provided enough evidence to show that I should be refunded, however, BOA said that the claim is out of their time frames, which is so disgusting. My money could not get back .....
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX is reporting to Equifax that I have had 3 late payments. I paid the account in XX/XX/XXXX and they are reporting that I have had a miss payment in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. Its no way if I paid off account in XX/XX/XXXX
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I Disputed this Account Name : Original : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX Experian Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account thank you.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$2200.00}
Consumer complaint received 2021-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I am never informed of this debt. I asked for proof of it thru signed documents. never received any proof. Also, it was placed on my credit report and it does great harm to my credit.I need this negative item to be removed right away.