davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was called on XX/XX/2022, with a phone number that said " Bank of America ''. I was told that it was a bank representative and that someone was fraudulently using my checking account. I was instructed to transfer all of my money to " myself '' using a XXXX account. I was told that I needed to transfer all of my money immediately so that it could no longer be fraudulently used. I transferred the money because as I have stated, the caller ID said " Bank of America '' and the supposed " representative '' knew exactly how much money was available in my bank account. I transferred the money. I was told that the funds would be available in my bank account the next morning. The funds were not there. It was a total of {$2700.00}. I called my bank when the money did not show up and they stated that they did not call me. I filed a claim and then I received a letter about a month later stating that they are unable to replace the funds. The claim number is, XXXX.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

This account pertains to a line of credit opened with Pentagon Credit Union in XXXX of 2017. I maintained positive payment history and paid towards this line of credit on time every month up until filing for a Chapter XXXX case on XX/XX/2017. The filing of the Chapter XXXX placed this account in my case which did not allow me to pay outside of the plan. In review of my credit report I found that Pentagon Credit Union reported this account in a negative reporting status under failing to make a payment. This is inaccurate reporting as I did not fail to make a payment but was in an active Chapter XXXX case with the United States Bankruptcy. Per FCRA the date of delinquency is not accurate as this balance was included in my Chapter XXXX Bankruptcy case. The status of this account has been reporting delinquent when in fact this account should have been reporting paid as agreed every month due to the Chapter XXXX Bankruptcy laws. Under the FCRA, both the credit reporting company and the information provider that provides information about my credit are responsible for correcting inaccurate incomplete information on my report.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a Chapter XXXX bankruptcy. This bankruptcy was discharged on XX/XX/2019. For some reason, Transunion refuses to update my bankruptcy to the correct status of discharged It shows as filed. As long as it is filed, creditors see that I have an open bankruptcy. I have disputed this item twice with Transunion to no avail. For a period, my case correctly showed as discharged. However, the status of the case went back to showing filed. This was updated within days with XXXX  and XXXX   and I didn't have to do a single dispute with them.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management (TN)

I am a victim of identity theft. I received a notice that a debt collector called FOX COLLECTION CENTER with an original creditor of XXXX XXXX XXXX TN has opened an account in my name. I have never been to this medical office. I called and spoke to their office manager and explained the situation and was told to contact the debt collector directly to have the account removed.
Consumer complaint received 2022-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

On Thursday, XX/XX/XXXX, I contacted Edfinancial after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in 2020. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX  and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until January at the earliest for them. The interest rates and payments will resume again in January.

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

malice prosecutor, not at good faith. I had an old credit debts was open in XX/XX/XXXX and paid off closed on XX/XX/XXXX. now I debt collector hayt hayt landau p, l sue which I asked them with signature open that account they can not show cause they no prove. I went court I told the judge without prove of my signature open an account for $ XXXX.it is not mind. they said all fees including. I show prove from credit burau where I had an account with XXXX  XXXX XXXX and account where paid and closed. they said, they are the one who paid it. case was disposed. two years later they are tried to garnished my money. I went to court garnishment dissolved. now they tried again recently garnishment dissolve. I told them show me where did I open that account with my signature. and for last, they have tree different account
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

The last complaint I filed was closed and unresolved. The company DID NOT in any way answer the REASON for my complaint or certified letter, so here is a new complaint. 

I have explained clearly, multiple times now, that we put in a request to remove the PMI on our property due to SUBSTANTIAL HOME IMPROVEMENTS. 

Flagstar 's PMI Removal Request has three ( 3 ) reasons to submit the form ( quoted word for word from their form ) : 1 ) " Principal balance reduction '' 2 ) " SUBSTANTIAL HOME IMPROVEMENTS made to the property increasing the value '' 3 ) " Appreciation of property value '' For the love of all things that are holy or cursed : WE. SUBMITTED. THE. PMI. REMOVAL. REQUEST. FOR. REASON. NUMBER. TWO ( 2 ).

Gon na spell it out slow : W-E M-A-D-E B-I-G I-M-P-R-O-V-E-M-E-N-T-S T-O T-H-E H-O-M-E. 

We remodeled several parts of the home, thereby increasing its value. 

Why XXXX, WHY does Flagstar keep ignoring the actual reason we requested to have the PMI removed?? 

Their denial letter to my form didn't answer this. 
They ignored my certified letter completely. 
They once again didn't answer it in my first complaint through CFPB. 
So here we are again. 

How is it possible for these people to literally keep ignoring over and over and over and over, the actual reason for my complaint and the reason we asked to have the PMI removed?? This is insanity. C'mon Flagstar, read the XXXX letters and give me a straight, non-BS answer. 

All they keep saying is our LTV % is " too high ''. The number they keep giving is the appraisal divided by the balance owed. THE HOME IMPROVEMENTS WE HAVE MADE HAVE NOT BEEN FACTORED IN ONE SINGLE TIME BY FLAGSTAR. 

What is sounds like, is they are trying to force us to get a new appraisal ( reason # 3 on their PMI removal form ). However, we submitted the form for reason # 2 ( substantial home improvements to property ). This has STILL not been addressed.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid 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. (NV)

Right before Hurricane Irma in Puerto Rico, purchases were made on my card that were not authorized. I reached out in person since we had no electricity or mail where I live in XXXX XXXX  XXXX due to damage by Hurricanes. They completely ignored my report that someone was making unauthorized purchases They have not sent an accounting so I can contest the unauthorized purchases.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America at XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX ; ( XXXX ) XXXX ] abruptly and without notice closed their lobby many days ago. I have been trying to access my safe deposit boxes multiple times for nearly two weeks. There is no sign that says why they closed, if or when they are going to reopen, and how or if existing paying customers can gain access to their safe deposit boxes. Vital personal paperwork ( car titles, homeowner 's insurance, advance directives to physician, last will and testament, etc. ) can be in these boxes, and customers are unable to access their property. This is creating a personal catastrophe for me. I have called multiple times, emailed as directed multiple times to XXXX, called Bank of America customer service, ( XXXX ), etc and still can not locate a responsible party who will open the lobby so I can access my safe deposit boxes. Could you please contact this organization and get the name of the responsible party at Bank of America who can open the lobby, obtain their plan of action for reopening, provide access to my safe deposit boxes, and state when and if they plan to reopen ... or if they are permanently closing. I would like one of your staffers to get on the phone with them, and to conduct a three way call with me to determine a date and time and the name of who will provide access to my safe deposit boxes. I have been a loyal customer for many years, have a bank account there, and I am very stressed that my life is suspended because there was not planning for a potential closure ... e.g. open the lobby for 2 hours in the morning on Mon, Wed and Friday. There is no corporate statement nor sign on the door as to the dates of closure, reopening, or why the lobby was abruptly closed. As a customer, I am obviously concerned about solvency of the bank. Also, I am paying rent to have my safe deposit documents/property held hostage and inaccessible. I am respectfully asking for your help because I have nowhere to turn. Is this practice even legal? Any help is greatly appreciated. 
PS I am acquainted with the Branch Manager, XXXX, who is a lovely and competent individual. She has always been helpful and has solved many issues for our family over the years ( college finances, car loan info, etc. ) I am confident that she is a sensible, responsive manager, but I can not speak with her since the lobby is closed. 

Bank of America XXXX XXXX in : XXXX & XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ]
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : Account Name : PXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : Unverified account Also, please remove all non-account holding
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist is reporting a late payment on my account in error. I have never been late and this is affecting me negatively as well as all attached authorized users. 

I believe the misunderstanding is from two payments that were made in XXXX. One payment cleared and one payment was returned. However, the payment that cleared was the first payment made. Therefore, no payment was late. 

According to the statement, no payment was made. However, I also attached a print out of transactions which clearly shows a payment made for {$73.00}. ( see attached )
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

I have been a public XXXX XXXX since XXXX of XXXX. I am still XXXX  currently as of XX/XX/XXXX. I feel as though I QUALIFY for my federal student loans to be forgiven at this point. 

1. The first few years of XXXX my servicer put me in a EXTENDED period of forbearance without offering me IBR, IDR or PSLF as an options. In XXXX of XXXX, Biden announced that those borrowers who were WRONGLY put into extended periods of forbearance, WILL HAVE those years count towards the 10 years required for PSLF. With those years added into my payment count, I should now qualify for forgiveness, or be extremely close to the 120 months required. 

2. I have applied with FEDLOAN ( my current servicer ) over 4 times for the PSLF program and keep getting denied. My payment counts ARE INACCURATE and those years of extended forbearance have not been counted towards the 120 required payments. I was never offered IDR or IBR or PSLF the first few years of XXXX. I was WRONGLY taken advantage of by my loan servicer. 

I should be able to qualify for forgiveness at this point and FEDLOAN is not including those years of forbearance in my payment total. My account is inaccurate and I should be qualifying for PSLF at this point.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

When contacted by ProCollect via my cellular phone [ XXXX XXXX. ( XXXX ) XXXX ] ProCollect [ XXXX XXXX. ( XXXX ) XXXX ] violated my rights under the FDCPA. 

ProCollect called me on XX/XX/2023 from [ ( XXXX ) XXXX ]. That initial call was at XXXX and I spoke with a XXXX XXXX XXXX After vaguely telling me what the nature of the call was, the amount owed and who the creditor was, I informed her that the debt was quite old and I wanted to dispute the debt. XXXX XXXX replied to me that I was not able to dispute the debt, that the debt was valid and that I needed to take care of the amount owed on my account immediately. She attempted to provide me with payment instructions via an address ( and by providing me with my account number ) and I reiterated that I did not owe this debt and I wanted to dispute it. Again, I was informed that I would not be able to dispute the debt and again XXXX XXXX attempted to collect on the account. XXXX XXXX also never informed me that the call was from a debt collector and an attempt to collect on a debt. Following more discussion on the matter and refusing to allow me to dispute the debt, XXXX XXXX eventually disconnected the call. 

Subsequently, I called back to ProCollect multiple time via the contact number provided to me by XXXX XXXX ( XXXX ) attempting to clarify the situation and make sure that the debt to which I was being contacted regarding was notated correctly as disputed. In following phone calls, further misinformation was again provided to me : that the debt was valid and that I was not able to dispute the account. After finally getting a supervisor on the line, she informed me that I would be able to dispute my account via the ProCollect website, but that I had to supply the proper evidence regarding any dispute by XX/XX/XXXX a timeframe of only four days from when the call was occurring. When I asked about the required 30 day right to dispute, she stated to me that the information on that was not correct. This supervisor also disconnected with me during my discussion with her on my account. 

I possess screenshots from my phone 's call log detailing the times and call durations for these calls.
Consumer complaint received 2023-01-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cottonwood Financial Ltd. (WI)

Cottonwood financial Wisconsin LLC dba cash store is trying to collect a debt by garnishing my wages. I was not properly notified from this company only seen it on my records with the state of Wisconsin for small claims court.
Consumer complaint received 2022-09-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When purchasing my XXXX from the dealership, the dealership claimed my credit score was XXXX when in actuality all 3 credit companies stated my actual score was XXXX, a difference of 50 points. Today, when trying to refinance the same car, Rate Genius states my score is XXXX when in actuality it is XXXX. It should be illegal for companies selling loans to misquote credit scores in order to sell higher interest loans. I think this violates truth in lending. This needs to stop! Especially when consumers clearly have access to their actual numbers!
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (TX)

Best buy MasterCard closed by me 2007, After card closed I was billed annual fee for several years unknown to me totalling {$290.00}. I have called, faxed in my ID & SS to Nevada and nothing helps correct situation. They post on my credit report every month delinquent. Very frustrated Please help
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

In XXXX of 2019, I went to a Gap store and I purchased a couple of items for a baby shower. The bill was about {$30.00}. The cashier offered me a credit card. Since I was buying numerous items from Gap, I agreed and signed up for it. Initially, I didn't even realize that the bills was put on the new credit card, and not on the one that I handed to the cashier. A week or so later, I left to XXXX for extended vacation where I saw my family and my in-laws. We came back in XXXX. By that time, I have received Gap bills with late fee payment for a couple of months. The bill eventually went from about {$30.00} to over {$180.00}. 

I contacted Gap, and asked them to give ma a discount as this was my first payment, I was out of the country, and I really wanted to use the card. They said that all the fees are lawful, and therefore I need to pay it. I spoke with managers after managers, and they told me the same thing. Yesterday, I was contacted again by them, and when I tried to explain the situation, I got the same attitude. Again, I agree to pay some penalty but {$150.00} for three months of late payment is outrageous. The penalty is five times the actual bill.
Consumer complaint received 2017-07-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IN)

I recently moved to the state of XXXX from XXXX. During the planning phase of my move I researched banks and found that Chase was quite appealing due to the {$200.00} offer for new members when signing up for checking and having a direct deposit. On XX/XX/XXXX I received and email from chase with my coupon code for the {$200.00}, I stopped into the XXXX, XXXX branch and met with XXXX XXXX XXXX ( Private Client Banker ). I provided XXXX with all my information, including my coupon code ... During our meeting XXXX was preoccupied by multiple phone calls and being called out of the office twice ... I singed my final papers prior to leaving, gave {$50.00} cash for my initial deposit and asked when I could expect the {$200.00}, she mentioned as soon as my first direct deposit posts, 10 days after. A week went by, my direct deposit posted, I called XXXX and asked when to expect the {$200.00}, she said within a week.. a week went by and nothing, I called again, XXXX said another week .... By this time I have three weeks invested and no {$200.00} as promised. I called XXXX again, she now changed her story to say I never provided her a coupon code and she would have to investigate!!! I called Chase customer service who opened a ticket. On XXXX XXXX called me and said that due to the time that has passed since I opened my account, she could not honor the {$200.00}, I mentioned that I had called her every week and requested an update, she said there is nothing she can do. Customer support called me on XXXX and mentioned that they could not help as this is a local branch dealing ... Long story short, XXXX did NOT enter the coupon code I brought with, I fulfilled every obligation listed in the fine print to recive the promotional {$200.00}, due to her negligence, I did not receive what was promised to me.