davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I am currently part of the Public Service Loan Forgiveness program. As part of that program, I have to submit proof I worked for an eligible non-profit employer during the dates of my loan repayment. Once I have made 120 payments, my loans are forgiven. 

I have worked with Mohela for XXXX years to update my eligible payments and employment. I currently have employment from XX/XX/XXXX through XX/XX/XXXX that has been certified and is eligible for the PSLF program. However, those 11 months have failed to be counted- even though Mohela has put, in writing, in XX/XX/XXXX that they know those months should count but that they do not know when the count will be added to my total. 

I initially consolidated my loans with Mohela in fall XXXX. I waited another year to have my eligible counts updated after submitted proof of all my eligible employment. I called XX/XX/XXXX to have this issue addressed. At that time Mohela installed a XXXX review on my account ( # XXXX ) to fix the missed payment counts and asked me to call back in 30 days to check the status. 

I called back XX/XX/XXXX and Mohela indicated my XXXX review was on hold until XXXX reviewed the dates and added my request to their batch approval. 

I called back XX/XX/XXXX. At that time, Mohela installed an additional XXXX review ( # XXXX ) of my account. They initiated XXXX would need to conduct an additional review. in XXXX XXXX  XXXX Mohela also sent me a message, in writing, that they know my payments for the months of XXXX should count but they were waiting on XXXX to update their system. 

As of XX/XX/XXXX no forward progress has been made. I have submitted an additional employer certification form to provide proof of eligible employment and have asked that my account be placed in administrative forbearance until these months are added to my total. The missing months will push my account over the XXXX payments required for forgiveness. 

Payments resume in the next few weeks and I have waited for a resolution to this for over 2 years. I need additional assistance in making sure this is addressed asap.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

notes from XX/XX/19 bank of america meeting. 


Went into bank to check on a rate for money market. 
Sales clerk at desk and asked about rates. She took my debit card and then went to speak to a man behind the glass partition. After a few minutes I was invited back to meet XXXX XXXX, Small Business Banker. 
He already had my accounts pulled up. I explained that I wanted to get the rate on the moneymarket account I had because another bank had just moved me into a higher rate. Mr. XXXX pulled up a pamphlet which had nothing to do with rates and was a " Business advantage Relationship Rewards '' program. He began by selling me a credit card and then moved onto to payroll. 

During this discussion he pointed to the next to last sales bullet payroll services and ( no vendor listed ), " I see you pay {$57.00} for XXXX ''. I didnt get it then but later I recalled him pointing to his monitor. He was accessing my account! Mr. XXXX continued to say that he could get that fee down and called whom he said was his " associate ". 
At first the call was private, but then when it came to explaining the savings he put the call on Speaker phone and an the asscociate said " that is because XXXX offers kick backs to accountants. '' I was then given a business card for XXXX XXXX of XX/XX/XXXX. 
This set off alarms!!!!. I never gave, nor was I asked, for permission to look into my business dealings. To have Bank of America reviewing my CHECK details and then discussing it with an outside vendor is, in my view, wrong. It was so alarming that I made notes which I have transcribed here.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MI)

I closed on a refinance on XXXX19. Loancare was my new ( as of XXXX19 ) loan servicer. My closing/escrow/title company received a payoff dated XXXX19 which was good through XXXX19.

Title company wired the payoff to Loancare ( on XXXX19 ) as outlined on the payoff statement.

I then ( weeks later ) received a pastdue notice from Loancare.

Called this morning ( XXXX19 ) and was informed by Loancare that  the payoff funds were either returned to the title company or the wire was refused. 
The title company never received any funds/refused wire from Loancare.

Loancare is unable to tell me how they returned the funds. 

At this point Loancare states they refused the payment from or returned the payoff funds to title. Title does not have the money. 
My account is now showing severely pastdue, with additional interest accruing daily as well as penalties for nonpayment. 
My payoff statement which was good through XXXX19 was for  {$240000.00}. 
A Loancare rep stated the payoff should have been for {$250000.00}. 
This is a shortage of XXXX which was due to a tax payment made out of my escrow account on XXXX19 ( after the payoff statement was issued and before it was sent by title ).

I ordered a current payoff from Loancare today and it now says {$250000.00} if paid by XXXX19.

Title does not have the funds refused by/returned by

Loancare. Loancare does not have proof that they refused/returned funds. Title rep told me today that Loancare rep was supposed to c
all them back last Friday ( XXXX19 ) regarding this and no one ever called the

m ( this is new information as I just found out this morning about the entire issue ).

I am getting the runaround from Loancare when I ask to speak to someone who can verify/track the funds supposedly returned to title co. 

My payoff was dated the XXXX and good thru the XXXX. My title co wired it the XXXX. If Loancare refunded the money back to title or refused the payoff they should be able to show proof of that wire that was sent or proof that they refused the incoming wire from title. 

I have no history of missed or late mortgage payments. I typically pay early and pay extra. This is beyond frustrating.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BHFC Financial Services INC (CA)

My car was paid off back in 2014 and I still havent recieved the title. I been told by finance xompany that they did it electronically but dmv keeps saying there is still line on it. I have to dmv 6 times already with no luck and finance company wont do anything about it.
Consumer complaint received 2019-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In the year of XXXX I randomly received a letter from Capital One regarding a Capital One 360 Checking account. I was immediately scared and thought I was a victim of identity theft. I have NEVER opened a Capital One Checking account. The is account with my name and address on it seems to have a negative balance of - {$490.00}. I called Capital One using a phone number listed for them online and not the one on the letter itself. I also assumed this could be a phishing letter or scam letter. But, when I called them, after some searching they did find an account they feel is mine. This account they found is NOT a checking account at all. It was a very old and charged of account from ING an old online banking savings account that was opened in XXXX, assumed charged off and closed by me. I recall the collection process ended smoothly as I was deemed Mentally Disbaled by Social Security SSDI and 100 % of my income was non collectible by law and I did not have the funds to repay that debt. I never heard from ING again. That very old ING account has already fallen off my credit report many years ago. I sent a cease and desist letter to Capital One, they admit having it on file in relation to the bogus Checking account someone created using my name and information. I have received quarterly statements for over 1 full year now, made many phone calls to them pleading they stop sending me these statements and demanding they CLOSE this or any accounts that are NOT mine. Several times I was told they would take care of it. The cease and Desist letter was received in XX/XX/XXXX and I got another collection letter on XX/XX/XXXX for XXXX XXXX XX/XX/XXXX. The account is still listed as OPEN. I never had a checking account with Capital One. If they have acquired old ING accounts I have explained that account was Closed and charged off a long time ago and that they can't try to collect on another companies already charged off debt. I demand this fake Capital One account be CLOSED since I never opened it and I want these fake statements to stop coming to me in the mail. It is XXXX and they say the ING debt was charged of in XXXX, its not a debt to them and it is beyond collection time on this old debt.
Consumer complaint received 2023-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AR)

Synchrony bank stating still owe on account despite reaching settlement terms and paying installment to them 5 months after the fact. When trying to log in to my Synchrony account to prove terms no information shows. I've requested multiple times said debt and noted agreement and am only told they'll be sending me a letter, but only send email.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

Syncrany Bank has been calling 2-3 times a day for two weeks. I have answered, told them I am working on paying my debts and will contact them when I am able to make payments. They still call me every day at least 2 times a day but some days 3 times. This is the first time I have ever missed a payment.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I have a XXXX  Mastercard. I have payments going out on autopay. On XX/XX/2019 XXXX Mastercard received a payment of {$140.00} which was the minimum payment due. Now today XX/XX/2019 my bank is showing pending for XXXX Mastercard to take another {$140.00} even though on their automatic machine it says they got paid on XX/XX/2019 for the {$140.00} and no payment is due till XX/XX/2019. However the girl said they take monies 7 days later, that's not right. Therefore ; what they are doing is a Fraud! I never Authorized XXXX 's to Debit MY Account Automatically. Therefor I want the Autopay suspended with XXXX 's or I will press charges against them! 

Very truly yours, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to my credit report.
Consumer complaint received 2019-09-16
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. (UT)

XXXX  XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to my credit report.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I recently opened a chase checking and savings account and upon opening the account I was informed that another checking and savings account was opened and charged off in my name. I left the customer service at the bank no that it was fraud that I have never held a personal checking or savings account with chase bank before, just a loan account for a lease car that I have. I provided them with documentation proving my claim of identity theft and my accounts was allowed to be opened ... .. Now days later they close my account after I switched my direct deposit over and all my bills to come out of this account.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Today 6 times I called Capital One to get my {$99.00} refundable security receipt. I spoke to a girl in their " executive suites '' and all she did was lie to me and interrupt me. 
I want a receipt.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (KS)

The State of Kansas refunded my overpaid XXXX XXXX  to a debit card from Key Bank. There is no Key Bank in all of Kansas. Just ATMs at places like XXXX. This is its own problem. I wanted a check. 

The debit card has almost {$2000.00} on it. The daily limit for withdrawals is less than this. I was able to get {$1300.00} on Saturday. Today I hoped to get the rest of MY MONEY. The withdrawal was repeatedly denied. I called customer service. The automated line told me my card was restricted and I needed to talk to an agent. I was put on hold until the system hung up on me. I need my money. I never opened an account at Key Bank and I never agreed to terms that had withdrawal limits from a bank that does not exist in my state. 

All limits and restrictions need to be removed. Ideally, KS would get my permission before issuing me a debit card. I wanted a check or a direct deposit. 

This compliant is specifically around the funds availability at Key Bank.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I called XXXX  's to pay off a credit card after an unexpected late fee. I explained my account should have been on auto pay which they agreed and updated my account for. I asked to waive the late fees and, instead of saying no, the operator gave a convoluted response, placed me on extended hold and then lied that she would help me and take care of the late fees. I agreed to pay the balance in full immediately but was deceived by the operator. The XXXX operator chose an arbitrary number to charge me which purposely misled me into thinking my debt was paid in full. Now, after being purposely misled by the XXXX  's credit department, I am being defrauded by additional exorbinant late fees and interest charges on the carried balance which I formerly agreed to pay and was lied to about.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NV)

credit control llc sent me a letter that they are trying to collect on a debt i do not recall reference # XXXX. i do not feel i owe you anything, im on ssi and my income is federally rotected, i want you to stop contacting me.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Money was hacked out of my account and no one from Truist will help me and Ive been on hold for 7 hours. They keep hanging up and just leaving me on hold in a loop for hours straight. I just want my money back so I can take care of my family.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

USCB America account numbers XXXX, XXXX and XXXX collections have been paid and closed as of XX/XX/2020. I have new credit reports and USCB has failed to report that the accounts have been paid. Several attempts have been made to USCB and XXXX  credit bureau.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (DE)

I applied for a Loan Modification during the financial Meltdown, as I had one of those escalating loans aka " an adjustable rate  mortgage ''. The mortgage company, Washington Mutual, finally agreed to a loan modification in XXXX, 2010, and the Bank 's officers signed off on it. I faithfully paid the " trial period '' payments, x 4, and all were sent and received by the bank via certified funds and mail. The fourth payment was sent, and I received a sheriff sale notice that the bank was taking the property within 30 days. I called the NJ XXXX XXXX County sheriff office and they postponed the sale until the matter was  straightened out. Unfortunately, I have been fighting the banks ever since, and they refuse to acknowledge the loan modification that was granted. They put my payments in a suspense account and proceeded to refuse my monthly checks. I have been submitting paperwork and proof of this claim for 8 years, which has worn me down. I lost my Dad, my daughter, my grandson and my younger sister during this time, and still they called and bothered me through my grief, and I submitted more paperwork each time. Now they have filed for a final foreclosure in the courts, and I have no defense, except for what I believed was my rights as a citizen.
Consumer complaint received 2018-08-15
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. (PA)

JP Morgan Chase Bank from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX  XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX XXXX - same fraud mortgages on my name.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I received a XXXX from Ocwen dated XX/XX/XXXX forgiving {$200000.00} which resulted in a unpaid principal balance of {$380000.00} ( see attached exhibit A ). I subsequently received a loan modification dated XX/XX/XXXX ( after a series of mishaps with Ocwen described in a letter from Ocwen dated XX/XX/XXXX ) ( attached Exhibit B ). This loan modification indicated that my principal balance was {$500000.00}. along with a balloon mortgage of {$210000.00}. My payment history indicates a current balance of @ {$370000.00}. ( attached as exhibit C ). I do not agree with the addition of this mystery balloon payment as there are no representations of it anywhere else in my records. 

I will file two separate complaints for other concerns that I have with Ocwen, but would like your assistance in getting a concrete explanation of the purported balloon mortgage and acknowledgement from Ocwen that this will not be added to my balance now or in the future
Consumer complaint received 2021-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Trying to collect on unverfied debt while reporting it to credit bureaus as correct. It is effecting my credit and is making life hard to get approved for credit. I have ask them to send me proof or verification on the matter and they have failed to do so.
Consumer complaint received 2019-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (GA)

Logged in to make a payment on their website on Sunday XX/XX/XXXX. There was a message there that I had a past due amount of ~ {$460.00} and total amount due of ~ {$940.00} ( including upcoming payments ). I selected the button to " Make a Payment '' and with NO further confirmation or ability to put in the amount I was going to pay it gave me a screen that said " Thank for making your payment of {$940.00}! '' There was NO ... please enter the amount you wish to pay.

NO ... here is the payment we are about to process from your bank.

NO ability after I made that to cancel it ... even though it was a Sunday afternoon.

I immediately sent an email even though they are closed.

I phoned on Monday morning after checking my bank and seeing that the $ $ had not been attempted to be taken out yet. The Prospoer rep told me " There is nothing we can do from here. Maybe you want to stop payment at your bank? '' For one, banks dont ' easily stop ELECTRONIC DEBIT payments from what I understand ... though I've not tried. Regardless, if they did do that, we KNOW the bank is going to charge a fee and Prosper will charge a fee. Even if the payment was honored I DID NOT want to pay that amount with this payment as it will have other ramifications. Prosper offered to " refund '' my payment by speaking to a refund specialist and then, inexplicably, telling me I'd need to have my bank on the line. For what? We are putting money IN if we do that. You had zero problem taking it out without the bank.

Anyway, the fact that they sneakily decided my payment amount and provided zero confirmation is the basis of my complaint. I'm sure they will say " no, no, here is where someone would put in the amount on the 1st screen. '' If so, it definitely is misleading how it's presented and it can not be ok that there was no confirmation screen before this went through and no way to cancel within seconds of processing it ... which again it hasn't processed. They give you the " blah, blah '' that it might take 2-3 days for bank to remove funds ... which means you are doing it as an ACH vs credit/debit card pin transaction which means I believe they should have been able to stop it by my calling the start of the next business day.