davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing the same complaint again for resolving my issue about fraudulent practises of bank of America mortgage.I need help from CFPB to resolve my issue. What they were saying was wrong about my complaint .when i applied for the disaster forbearance they did not say that i want to participate in the modification program.The customer service agent told me that they will extend the mortgage for extra 3 months. If they told me that i need to participate in the forbearance plan i will not take part in the disaster plan. 
Mortgage company resolved the same issues by extending the loan for extra 3 months.why they are not doing this for me? 
I strongly believe that if i took the modification program they can not cancel my PMI, and if they extend the loan like all other companies did, then i am not at default with my loan and they need to cancel PMI.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DE)

The complaint is with PNC bank my mortgage company my two rental homes in Pennsylvania I have told them so many times that I can not pay the mortgage on the first because the way the money comes in I was never late I pay my mortgage around the XXXX XXXX or XXXX of each month and I still get calls and a statement showing the month that they saying its behind which is not because of the grace period time Until the XXXX of the month on top of that they send me a statement of the next month that is due on XX/XX/XXXX ... I think this is an harassment its not helping the customer and the situation ... Thank You
Consumer complaint received 2019-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I paid off my mortgage with Nationstar/Mr. Cooper on XX/XX/XXXX. My past payments to the company were for {$350.00} twice a month. On XXXX XXXX NationStar/Mr. Cooper withdrew {$420.00} from my account on XXXX XXXX, XXXX XXXX and XXXX XXXX without authorization. I called on XXXX XXXX and spoke to XXXX XXXX. I emailed Ms. XXXX copies of my bank statements to probe the theft, since the company has no record of the theft. I called the company again on XXXX XXXX and spoke to two representatives. Neither would provide me with a resolution on how to get my funds returned to me. Mr. Cooper has stolen {$1200.00} from me and is unwilling to return my funds.
Consumer complaint received 2019-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC (FL)

Today I received notifications that new collections accounts were added to Cbr reports ... I called Ability Recovery and was informed that they had been reviewing my BK filled in 2014 and stated I was still responsible for charges from dates of service XX/XX/2014!! My ch XXXX was discharged XX/XX/2014 .. I am not liable or responsible to pay this debt.. I do have 1date of service for XX/XX/2014 that they indicate Im responsible for .. 
I would like the verification of debt for the file associated with date of service XX/XX/2014 And removed the other to accounts off my CBR
Consumer complaint received 2019-10-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (CO)

we started the process XX/XX/2019 and it is now XX/XX/2019 they continued to ask for thing needed every couple of weeks and did a bad job of communication with me though the whole process i have put XXXX dollars into it plus tried to pay my bills on time. i have been passed from person to person with no end in sight and now i have fallen behind on my mortgage payment because of this and they are telling me that there is nothing they can do even though i have done every thing they have asked. i am willing to provide all communication i have had with them if need but something should be done before it happens to anyone else.
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CO)

Professional Bureau of Collections Maryland , Inc. 
Phone # XXXX This company contacted my workplace yesterday ( XX/XX/2019 ) and asked to verify my employment, along with other personal information. The receptionist did not answer their questions. 

I have NEVER heard of this company and they have not directly contacted me in any sort of way so I assume this must be a scam. I also looked up the phone number and it was nothing but people commenting on it being a scam. 

I called the number back later last night and they asked me to confirm the last four of my social security number. I let them know that I did not feel comfortable giving that information out to an agency I've never heard of before. She then asked me to confirm my billing address. Again, I told her that I didn't feel comfortable giving that out and asked if she could provide the street number they had on file for me to make sure it was legitimate. She couldn't give me that information so I immediately hung up out of fear of this being a scammer. 

Is there any way to look into this? If I owe debt, I'd like to take care of it. But I don't think this is legitimate or real in any way.. I appreciate your help. This is such a scary feeling.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I am on an Income-Driven Repayment Program and enrolled in the Public-Service Loan Forgiveness Program. My recertification forms were received by FedLoan on XXXX XXXX XXXX. It is now XXXX XXXX. I have had mulitiple phone calls with FedLoan about the status of this request. I have been told, since the beginning of XXXX, that I was waiting for a statement that would charge me {$5.00} for each loan and would let my loan move into the next phase of review and a new payment would be determined. Most recently, I was told this request to send me the {$5.00} statement was made on XXXX XXXX. Starting in XXXX my IBR payments expired and I made payments on some of my loans that was more than I could afford. Now my loans are in forbearance for XXXX and XXXX. I have received from FedLoan notification of my forbearance being approved and an interest notice on XXXX, a bill for XXXX on XXXX XXXX. Still no {$5.00} statement to get my IBR payment finalized. This is costing me eligible months of payments for the PSLF program. Now this morning, XXXX XXXX, I have received an email that my application for IDR has expired. I need help. My interest capitalized on loans I ca n't afford and now months are being tacked onto my PSLF program when I should be making eligible payments now.
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (GA)

i am unaware of this debt i didn't have the opportunity to dispute this debt. i did not receive proper notification of this debt. if in fact you believe i received proper notification please provide me the certified receipt with my signature proving i received the notice. 

if in fact you bought or received the assignment of debt from a third party or the original creditor claiming i own the debt, please also include the assignment of contract
Consumer complaint received 2017-01-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed a medical bill with Transunion and I did not receive any information within 30 days. I was informed that if they did not contact me within the 30 days, then the debt should automatically be disputed. I then called Transition and they need told me that they did not send me any mail and that they then would. It has been past the initial 30 days and I feel as if they were never going to email me, until I called. The man also had me verify my identity several times, which I had no issues giving the information, and had trouble even finding my account or the initial dispute, until I provided him with the information. I feel as though I should not have to pay the bill that I had disputed because they never sent it to my insurance. I also should not have to pay more than {$500.00} out of pocket, which the bill is more than that. Overall, the initial dispute has been past the 30 day window where they should have reached back to me and should be disputed from my account.
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Someone is using my SSN to open up store credit cards. First one was with Macy 's now a Home Depot card was opend up in my name. I received infomration today stating my new card arrived, it was not me and they already purchased {$860.00} worth of stuff from Home Depot.
Consumer complaint received 2019-10-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (AL)

Mr. Cooper ( formerly Nationstar ) did not provide 15 days notice before transferring the servicing of the loan to XXXX XXXX XXXX XXXX XXXX . Prior to this they made false claims regarding our payment history and refused to provide information in relation to a making home affordable loan modification. A qualified written request was sent to them and delivered on XX/XX/XXXX, to address these issues. 

We have requested detailed information regarding the servicing of this loan since XX/XX/XXXX to the present to determine what the accurate principal balance should have been at the time of the transfer of servicing on XX/XX/XXXX, and what amount should be in the escrow account. Nationstar failed to respond to that QWR and we are notifying the new servicer of the existing problems with the servicing of the account. 

We have documentation to demonstrate the failure of Mr. Cooper to address our concerns regarding the application of payments to the proper accounts ( principal balance and escrow ).
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Walmart is currently transitioning from XXXX XXXX  to Capital One. On the first day of the conversion, several days after making my payment ( payment was made XX/XX/2019 ; E-mailed received XX/XX/2019 ) I was e-mailed an electronic letter stating that my payment was returned. The account used to make the payment does not show a returned electronic check. With the system being down I can not access my account. When I called, the representative told me that nothing could be done until the conversion was completed on the XXXX and that " Capital one may remove your late payment or they may not. You'll have to advise them of the situation. '' Obviously, this is unacceptable and unfair to me and any other Walmart store card customers. I want this record on file so that I can dispute the late payment status. I was not notified quickly enough nor was I given the opportunity to resolve the situation, if it even actually occurred, which is yet to be known because no one can tell me. 

The account statement, which is attached, reflects a payment sent on XXXX from the bank, but the payment was made on XXXX. It reads " XX/XX/2019 WM EPAY   WALMART CC WEB - {$65.00} ''
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Ocwen Loan Servicing, and XXXX have wrongful foreclosed on me and harassed me since XXXX. I have written CFPB several times about these companies and XXXX doesn't reply due similar allegations with other lawsuits they were fighting at that time. But now however they did respond back to the Alabama Attorney Office for the same complaint I had written to CFPB. Today XX/XX/XXXX I was served with notice to move out immediately and I'm going to comply. But for the record, I want them to know, the world needs to know they are doing the same under handed things they being doing, which causing them all to be suited several times and they still having learned anything. XXXX IS NOT SLEEP AND XXXX XXXX, OCWEN, XXXX HAVE ALREADY BEEN DEFEATED, IN XXXX NAME! I will get my settlement from them. Somebody is going to hear me, because I have young children in my house. 
They received the proof from my insurance company and have spoken with them. I have the deeds to my home! I did a mortgage modification in XXXX and they are not saying anything about, almost like them have pushed under the table ... .why.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

On  XXXX   XXXX ,    2017  I received an alert via email of a negative collection account reporting to my   XXXX    report. I immediately checked my reports to see t hat Convergent Outsourcing had lis ted an account to my report in the amount of {$130.00}. I have had no previous dealings with this company. No calls, no letters, NOTHING and they just decided to report a negative account. I sent  Convergent Outsourcing  a letter on  XXXX / XXXX / 2017 , via certified mail #  XXXX   XXXX   XXXX   XXXX  in which they received on  XXXX / XXXX / 2017  to validate this alleged debt. I also sent this letter via fax and also to the companie s executive team  via email for prompt response. I educated Convergent that they had 30 days to respond to my letter or that they should delete it. Pe r the FDCA, a debt collector is to notify the credit reporting agencies that this alleged debt is being disputed and can not continue to collect or report this alleged debt until they have provided verification. Convergent failed to abide by these rules. They continued to report, and update this alleged debt to   XXXX   ( la st update on  XXXX / XXXX /  XXXX   ) before even responding to my letter. I did not hear anything from this company for over 40 days from the date they received my correspondence. On  XXXX / XXXX / 17 , I sent  XXXX  a request to have this negative account information deleted immediately due to no response from Convergent Outsourcing, and their above violation. Today  XXXX / XXXX / 17 , I received in the mail a copy of some sort of bill which listed inaccurate information. It did not verify debt, nor did it show proof that this is my debt, as it is not, or any legal binding agreement to convergent outsourcing. I am extremely disappointed that Texas allows deceitful scamming c ompanies like Convergent Outsourcing to target its residents.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hi, I had a XXXX XXXX credit card with a small balance of roughly {$600.00}. The balance was not mine and used by the ex husband to credit debt for me so I would struggle as time marched on - we call this fraud. 

Subsequently, and conveniently, my identity was stolen forcing to close my accounts and put stop payment on bills - one of which to XXXX XXXX for this balance. The debt collector, several years later, still had the payment owed on my credit - even after attempts to clear this balance in the divorce. 

I called to settle the payment issues and explained my circumstances with the abusive ex husband and identity theft issues to which the woman said Im not sure why your calling - you have a XXXX  balance. She sent me a letter stating I had a XXXX balance with a balance summary showing a XXXX balance. 

Now, almost 5 years later, the item is still sitting unpaid on my credit and when I call they state that I lied and never paid it. 

No one in their office ever said or did that and I must be making it up so I dont have to pay. And then raised her voice at me to intimidate me into paying the bill which I previously called to do almost one year later and was told it was cleared.

I feel this is an abuse of power and need my credit cleared up so I can a ) have a home b ) support my families needs c ) be a reliable consumer
Consumer complaint received 2019-10-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Today XX/XX/19 I received an email from NewRez stating my mortgage payment is handled by them and my payment is due XX/XX/19 ... .I never received any correspondence from the original loan servicer ( XXXX ) stating they sold the loan. My paperwork from XXXX that I signed says my first payment is due XX/XX/19 ... ..I called NewRez ( which was recorded ) and they are telling me my payment is due XX/XX/19 which is totally incorrect.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Citibank closed my accounts ( 2 - Costco Anywhere Visa and Citi ThankYou Preferred Mastercard ) without my knowledge. As part of this closure, that have advised " We respectfully decline to reintate the Costco Cash Rewards and Citi ThankYou Rewards that were forfeited due to the closure of your accounts ''. I had over {$200.00} YTD for the Costco Cash account and over XXXX+ points on my Citi ThankYou Rewards. I had been accumulating the ThankYou Rewards for nearly 20 years. I did not close my account ; so I therefore did not forfeit my rewards. If they are choosing to close my accounts, they should first allow me to redeem my rewards. Those were earned irrespective of how they are deciding to handle our relationship going forward. ( On a side note : their reason for closing my accounts is also under dispute and will be a separate complaint ).
Consumer complaint received 2019-01-18
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. (SC)

I have a lot of inquiries on my credit and Equifax does not wont to do anything they dont even have address to the company for me to even call them. They cant fix anything on your credit why are they a credit bureau
Consumer complaint received 2019-10-11
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: NAVY FEDERAL CREDIT UNION (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-11
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: Diversified Consultants, Inc. (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, owner and operator of XXXX XXXX, would like my balance of {$9800.00} returned to me immediately. On XX/XX/2020, my account was closed by bank of America for an unknow reason. I received a letter informing me that I will receive a cashier 's check of the balance remaining in the account within 30 days. I never received my funds back. I contacted customer services serval times and was hung up on. I sent a certified letter demanding my money, which was ignored. I reported Bank of America to the CA Secretary of State and received a letter saying that they still have my money, but they don't know who it belongs to?! I am now getting ready to file a lawsuit unless my money is returned.