davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing is uncooperative and has no courtesy on a mortgage loan that is under my name, but the house has been under my uncle for over a year now. I notice back in XX/XX/XXXX that there was a late mortgage payment on my credit score, but we've been paying it. I called the collection agency and they said that they need proof of insurance and escrow, that they've been charging for that because we don't have proof. I sent them proof and then they said it had to be under my name. It was under my uncle 's name because the house has been under his name since XX/XX/XXXX. I mentioned to them that the house is no longer under my name. Afer a month of going back and forth and delays on their end. I had to keep on following up and then they said I had to complete assumption forms to change the name over to him. I immediately completed and submitted these in XX/XX/XXXX when they told me to do so and received no response. I kept following up and they said they're still looking into it and that it takes time. Five months later, they're still working on this issue as the debt continues to grow monthly. They are charging us twice for escrow and insurance when it's already paid for on our end separately since XX/XX/XXXX. They will not accept our proof because it's under my uncle 's name, which is his house now. They requested assumption forms to be completed to switch the loan to my uncle, which we completed. However, as of XX/XX/XXXX, they just told us that they will not accept the assumption forms and that we have to pay the $ XXXX to reinstate the loan first and then they can look into the assumption forms after. With their months of delay and misinformation they expect us to pay over $ XXXX to reinstate the loan even though it was their fault for not informing us beforehand that the assumption forms would not be accepted? We are being penalized since XX/XX/XXXX for their delays which is not fair. If the assumption forms were not valid initially, they shouldn't have suggested that. Also, it's unfair we're being penalized for all the months of delay as we were waiting for them to get back to us. It is unfair that we have proof of everything, yet they expect us to pay the XXXX to reinstate the loan when it's their fault for the months of delays and misinformation. We submitted all the proof that they needed, yet they are still penalizing us for their mistake. It has been very difficult trying to resolve our issue when we keep getting transferred to multiple people at Bayview Loan Servicing and each person has something different to say and giving us the run around. No one has helped us resolve our issue at all.
Consumer complaint received 2019-03-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AA Recovery Solutions, Inc. (CA)

On XX/XX/19 this company called me, my sister, and my work. This company claims I owe a debt but have yet to send anything to my address. They told me I could settle the debt for {$1100.00} and sent me a letter via email. He claimed if I asked for a debt verification letter then I wouldnt be able to settle The debt and I would have to pay it in full. Once I received the letter I started to try and get background on this company because the guy acted funny. I could not find any information and wasnt about to pay a company money. I requested in an email certain information to verify their identity. They responded with a very short email not answering my questions but sending me to another number of a company that never answers and the message does not state the companies name. They will not provide proof of the debt either. Today XX/XX/19 they called me again harassing me stating I could not email them at all. Now mind you I have only sent one email. An hour later the business called from a blocked number again with a courier who was coming to my house to serve me papers between XXXX today. This was a misrepresentation and is illegal. The message stated I needed to call them to stop the courier from coming. This company is harassing me and I have asked for certain information and they are sending me to people and companies that dont exist.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

hello, I have my check account with the capital one bank, my son is added to the account ( join account ) They frozen his personal account and which he is fighting for the bank to open it back again. because he is on my account they also frozen mine too. My account where I receive my social security check and pay my personal utilities. the bank is committing an injustice in times of pandemic. where the little money I receive has been kidnapped. Someone has to take action on this matter.
Consumer complaint received 2018-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

When I initially started paying these loans they were around XXXX dollars for 1semester of university which. Over the years they have ballooned to XXXX dollars due to interest. Due to XXXX XXXX   and other issues i have always struggled financially and have never been able to pay anything consistently. 

The majority of the time my loans have been in default, forbearance, or deferment. I never really understood how this worked other than my payments would be put on hold. I never really understood how the interest accrued and could balloon. 

It wasnt until maybe the last 5 or 6 years i learned about income contingent payment plans as it was never presented to me when I called in for forbearance or deferment. 

Just in the past couple months i was told there are plans where the government covers the interest on some payment plans. 

This is something that has been a dark cloud over my life and has contributed to my XXXX as i feel i was taken advantage of or scammed because i am an easy target. The payment i owe is literally for nothing. I have no valid credits from my 1 semester of University. 

The interest on my loan begin removed would be ideal outcome. I'm not saying i shouldn't pay anything but i was never educated on the interest accrual. They just always said it will still accrue. 

Also i should never been allowed to put my loans in forbearance or deferment for this long. Income contingent plans should have always been the first option suggested to me. I didn't even know they existed for a long time. 

I'm sending this because i just saw a article navient is being audited for similar complaints and this is something i have stressed about for years
Consumer complaint received 2023-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SD)

I and many others according to posts on XXXX received an email from Great Lakes Loans that the loans would be transferred to Nelnet. According to federal student aid, they are the same company. The email I received from them states that the account will be closed and a new one opened up. 
" XXXX : Great Lakes will report your account ( s ) as closed due to the transfer. Nelnet will then open a new account ( s ) with the same total balance for each loan you have, and report your student loan ( s ) to the four nationwide consumer reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). Within 90 days of the transfer, these changes will be reflected on your credit report, and Nelnet will continue to report on your federal student loan ( s ). '' As this is a close old account and open new account situation, this will very likely have a negative effect on my and many other 's credit scores, when in comparison there is supposed to be a name transfer which would supposedly keep the account age intact, and supposed to not impact credit scores, according to the XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 data gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be delayed promptly. I de an these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and May have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

XX/XX/2021 Enhanced Recovery opened and added a derogatory mark on my credit in the amount of {$3100.00}. The account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as well there was no written form of communication, contract, or signature for this accused debt at all. According to the FCRA, Enhanced Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Before passing away, my Mother quitclaimed her property to me in XX/XX/XXXX. In early XX/XX/XXXX ; I began experiencing financial difficulties and the mortgage went into default. Over a period of one ( 1 ) year ; from XX/XX/XXXX to XX/XX/XXXX, I have repeatedly submitted loan modification applications to the loan servicer and I have always submitted the follow-up documentation timely ; with fax confirmations as proof. 
I have received a denial of all of these applications due to conflicting reasons as given by the servicer : 'insufficient documentation ' or 'no loss mitigation options available '. The last denial I received was on XX/XX/XXXX ; which I am currently appealing. As I await the results of my appeal ; the servicer has informed me that the foreclosure sale is still moving forward.
Consumer complaint received 2017-01-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (MO)

I INITTIALLY TOOK OUT A XXXX DOLLAR PAYDAY LOAN WITH XXXX INTEREST PAYMENTS EVERY TWO WEEKS. ON THE 4TH PAYMENT I DID A PRINCIPAL REDUCTION PAYMENT PLUS INTEREST. XXXX PLUS THE XXXX. WAS TOLD THAT THE PAYMENTS WOULD BE LOWERED. THEN WHEN I CALLED TO FIND OUT WHAT THE NEW PAYMENT AMOUNT AND/OR PAY WOULD BE I WAS TOLD THAT I WOULD STILL BE CHARGED THE XXXX NO MATTER WHAT THE PRINCIPAL WAS PAID DOWN TO.. WHEN IN TO LOOK AT MY CONTRACT AND IT HAD BEEN REMOVED. ASKED FOR THEM TO SEND ME A COPY AND THEY WOULD NOT.EVEN THOUGH I WAS TOLD THAT MY PAYMENT WOULD BE XXXX I WAS TOLD THAT TO PAY THE LOAN OFF I ONLY HAD TO PAY XXXX INTEREST AND THE THE XXXX REMAINING PRINCIPAL. AND THAT I SIGNED UP FOR XXXX PAYMENTS OF XXXX ... AND IF I DIDNT PAY IT OFF, EVEN THOUGH I HAD ONLY MADE XXXX PAYMENTS I WOULD NOW OWE ONLY XXXX PAYMENTS OF XXXX TO PAY THE LOAN OFF.
Consumer complaint received 2018-08-03
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. (OH)

A person unknown to me ( " the fraudster '' ) was able to " capture '' my phone number, thereby disabling my use of my own phone and my own phone number ; then the fraudster was able to access the XXXX app on my phone, which contained usernames and passwords to three different retail credit cards. The fraudster called all three retail credit accounts, purporting to be me by " spoofing '' my phone number when he called my creditors asking for " new cards '' and " increased credit limits. '' Two of the creditors were able to verify immediately that the fraudster 's calls were not from me, and they immediately locked down my accounts and prevented fraudulent activity. 

However, when the fraudster called my THD/CBNA ( Home Depot/Citibank ) credit card account, s/he was successful in getting a new THD/CBNA credit card sent to the fraudster at an XXXX-area address, whereupon the fraudster promptly made {$2600.00} in fraudulent charges to my Home Depot/Citibank account. 

I have notified THD/CBNA by phone and by mail of the fraudulent charges ; made Identity Theft and Fraud reports to the FTC and my local police department, and sent copies to THD/CBNA ; disabled my stolen phone number and been issued a new phone number by my carrier ; made fraud reports to all three credit bureaus re the fraud and the unauthorized requests for increased credit lines ; and done everything I can to get THD/CBNA to remove the {$2600.00} in fraudulent charges from my account, as well as to correct THD/CBNA 's erroneous entries on my credit reports showing incorrectly that I applied for and was turned down for an increased credit line with THD/CBNA. Yet THD/CBNA has failed and refused to do ANYTHING except close my hacked account and open a new THD/CBNA account for me -- then THD/CBNA transferred all of the fraudulent charges onto my brand-new account!!!. 

My most recent bill from THD/CBNA shows all the fraudulent charges ( all made in XXXX -- far, far from my home address ) -- even though I have complained repeatedly to THD/CBNA that such charges should be immediately removed and that I should not be held liable for such charges. 

THD/CBNA has been careless and negligent in its gross mishandling of this matter and has been completely unresponsive the many communications from my wife and me about this matter. According to THD/CBNA, I owe them the {$2600.00} that a fraudster charged to my account when THD/CBNA negligently sent the fraudster a THD/CBNA credit card IN MY NAME!!
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OR)

We completed a refi on our house on XXXX XX/XX/2018. In turn we received checks to send to debtors in this refi and mailed them out the following business day on the XX/XX/XXXX. All but one account received and paid by the XX/XX/XXXX and account were posted The account that was not posted was XXXX Account by XXXX XXXX. they did however receive the other account payments for XXXX XXXX, Walmart, and care credit. 
We called the company numerous times ( XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX ) and they wouldn't help. We know the check for the XXXX account has been cashed. We tried to speak with a manager and give account number and check number and amount and they said the only thing we can do is forward the information the payment research, and we cant speak with them. they also said we need to pay our bill in the meantime and theres nothing they can do. Synchrony is horrible about helping us with this matter. They said that it will take another thirty days to resovle this matter and its not there issue??? I need help please!
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CT)

One or about XX/XX/XXXX I received a voicemail from first National Bank of ohama. I returned the call, told them I havent used the card in a while why should there be late charges. A payment was made in the billing cycle yet they still charged a late fee. 
Since XX/XX/XXXX I have received 6 messages telling me to call them. They were from a robocaller. Also of note the number they called was my work/cell phone number. 
XXXX XXXX
Consumer complaint received 2016-05-21
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

A few days ago the author of this complaint ( sometimes hererin the " Complainant '' ) received a letter ( the " HSBC Letter '' ) dated XXXX XXXX, 2016 from HSBC Bank USA NA ( " HSBC '' ) informing the Complainant that my HSBC Platinum MasterCard Account With Rewards ending in XXXX ( the " Account '' ) had been closed by HSBC because HSBC had determined the Account had been inactive for 12 months or more. Immediately before the Account 's closure by HSBC the Account had more than XXXX Reward credits ( the " Credits '' ) credited to it by HSBC, the exact number of which is not now known to the Complainant, earned and credited the Credits over many years of usage of the Account by the Complainant. 

Upon Complainant 's inquiry to HSBC after Complainant 's receipt of the HSBC Letter HSBC informed the Complaint that the Credits had likewise automatically been canceled when the Account was closed. 

The Complainant never received any notice from HSBC or otherwise that the Account was under closure review for non-use for 12 months or more, nor, before the Complainant ' s receipt of the HSBC Letter, that the Account was sooner or later to be closed for non-use Had the Complainant received any such prior notice the Complainant would have made use of the Account 's credit card to preserve the Credits for Complainant 's use as and when chosen by Complainant. 

The Complainant asserts that HSBC has acted in bad faith in this matter and demands that HSBC pay to the Complainant in cash the current reasonable cash value of the Credits as determined in accordance with industry standards and practices.
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (MI)

I was a victim of fraud. The card was through XXXX, XXXX. Was turned over to debt collection called credit control , LLC they continued to call send letters and threatened me until i just paid it. After paying it I still received letters from them stating it was unpaid!
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NJ)

I closed my NetSpend account on XX/XX/XXXX. I was advised a check with the remaining amount ( minus a closing fee ) would be mailed to my house within 7-10 business days. I called on XX/XX/XXXX to confirm my account was closed and the check was coming, and the rep told me I should get my check by the XXXX. I did not get the check. When I spoke to NetSpend on XX/XX/XXXX, the rep said they will email me within 24 hours an update on the check. I received no email. When I then spoke to NetSpend on XX/XX/XXXX, they said they never send updates by email, and their Fraud Dept will provide a final determination within another 24 hours, and for me to call back. I call back XX/XX/XXXX, and this time, I'm told the Fraud Dept was not involved, and that I should receive my check in another 7-10 business days. The XX/XX/XXXX rep kept asking me if I want to re-open my account ( I think he is trained to do this by his superiors ), and I had to tell him multiple times I have no interest doing business with NetSpend, especially after this particular experience. CONCLUSION - Their story keeps changing whenever I call, and I don't believe they will send this check in 10 business days. They may be  doing this intentionally until I forget about the check, to pocket the remaining balance from before I closed my account.
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (OR)

I went to the E.R or urgent care some where in XXXX in XXXX, AZ. At that time I had XXXX and therefore covered by my insurance which is a government funded coverage. I never recieved a bill nor was I charged at the time of my care due to my XXXX insurance. Now in XXXX it show 's up on my credit report but yet never have recieved a bill in the mail since my visit to the E.R or urgent care visit.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have received several bills from XXXX saying I owe {$1700.00} to Capital One Bank. The most recently dated XX/XX/20. 
This is a fraudulent claim. Years ago the same fraudulent claim was made, I researched it, disputed it and it was found to be fraudulent and therefore was dismissed. 
It has now resurfaced again. 
This company is committing fraud for demanding I pay money for a debt I did not incur.