davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MS)

I refinanced my house around XX/XX/2021. The company i refinanced with, XXXX, sold my mortgage to another company and then was sold again to " Mr.Cooper '' ... My loan was fine to begin with until this past XX/XX/XXXX, Mr. Cooper decided to do an escrow analysis. They decided after less than a year of being with them that i came up short with my taxes and insurance, however, they are the ones that knew what the amounts were to begin with, because i had to pay a years worth up front and they did the math to establish the loan. Now they are saying i have less than 30 days until my house note goes up almost $ XXXX. I have tried to call their company and speak with someone about this 3 times now and all they did was transfer me from person to person and dept to dept and i even sent a message through there " message center ''. I got a response the other day stating that " due to the nature of my issue '' they were passing it over to yet another department for review. I get my answer in 7-10 business days but XX/XX/XXXX is approaching and my house note increases. Evidentially Mr. Cooper requires an additional {$600.00} in the escrow that i was never informed about being this company is not who I originally refinanced with. All this was done over the phone and i guess i will know better for next time.
Consumer complaint received 2017-03-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have noticed a date change in debit transactions I once had double checked as cleared. I think my bank is taking advantage of the fact that I get paid weekly and use my debit card to work. They manipulate my payments in an order that would lessen the availability for funds. This maximized the charges at an alarming amount of {$600.00} for the year of 2016. Before I make any payments, charges on my debit card I usually always check for availability. For instance there will be a certain day that all these charges will be cleared off and it just happens to be made more then just a couple of days before. Also they do not credit me when merchants have voided transaction and am told I would be credited never to see the money back in my account. The agents always blame the merchants but I they blame the bank. I have asked the Customer Service Agents to take me off there overdraft protection program and have been lied to about rules and laws for overdraft fees. Even when I was enrolled in the Overdraft plan guess what it would take money to cover the low balance but still overdraft me. So I would have to call Bank of America and state the obvious reason for why I was charged incorrect. I had asked right after that incident to be taken of the Overdraft plan because I know it just gives them the ability to charge my account even when it is negative. I have argued with these so called customer service agents about my rights and they tell me they still get to charge me just for rejecting a check. My account has charges that have cleared from XXXX days previous to reoccur and all on a day purposely before a direct deposit so that my money goes to over draft fees rather then to me. Every week I will check my account for available funds only to be hit with transactions hours previous to a direct deposit to clear. They will not clear off these fees because then they would not be able to make money off me. I have time and time again asked them I wanted an account that would not allow to overdraw the account meaning transactions will be declined by merchants and customers will not be charged a fee. They tell me that them rejecting the claim there is a XXXX dollar fee for it. I know that is complete lie and incorrect I do not get notified when some of these charges are made and in reality am in no control of my account because of there rules. I want an investigation to be made because they are out right telling me that no matter what I will still be charged weather I authorized a charge or did not I will still be charged.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I think my identity was stolen and was in credit card debt with Capital One for XXXX and XXXX dollars. They sued me and ultimately removed that money from my checking account without getting in contact with me. I was told that if I wanted to get my money back I would have to sue them but I can't afford legal assistance.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 4th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2016-06-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

Submit a student loan complaint We 'll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint. 




What happened? 
Desired resolution My information Product information 5.Review What happened [ Edit ] Describe what happened so we can understand the issue ... 
Navient has been calling me and mailing letters. Additionally a letter that indicated negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. Subsequently, my credit rating was good, but Navient damaged it only to intentionally prevent me from obtaining other loans. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Received bad information about my loan Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
Navient forgive borrower and cosigner of all student loans due to the hardship that I had to endure and the difficult problems I have had with them. 
Navient repair credit scores which they reported to the credit bureau. 
Navient stop calling and harassing me day and night. 


My information [ Edit ] Contact information Mailing address XXXX XXXX WA XXXX United States Email XXXX Phone XXXX Age XXXX I am submitting on behalf of Myself Product information [ Edit ] Billing address is the same as mailing address. 

Account/Loan number or SSN XXXX Information about the company Navient Corporation Navient has been calling me and mailing letters. I also received a letter that indicates negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Subsequently, I tried to obtain additional education loans and also refinance my condo but Navient affected and damaged my credit ratings. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I have had good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX XXXX  via email received profile update confirmation XXXX XXXX received same email profile update XXXX  Bank of America in XX/XX/XXXX stated someone called numerous times changing all my profile info. 
XX/XX/XXXX state of CA direct deposit funds transfer to checking savings {$3100.00} balance {$0.00}. Called Bank of America XX/XX/XXXX changed info back to me. Filed complaint same day. 
XX/XX/XXXX received letter from Bank of America stating no fraud was founded. Was also told that fraud was done online and gave last 4 digits of acct it was sent to. Not my acct. Filed police report on XX/XX/XXXX. Same day called Bank of America stating it was fraud. My claim is now pending reconsideration.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

On XX/XX/XXXX2018 my husband and I purchased a home ( XXXX XXXX XXXX XXXX MI XXXX ) at closing the title company, XXXX XXXX XXXX, held {$3200.00} for the upcoming summer taxes that were due on the property after closing. XXXX XXXX received the bill and paid {$2100.00} and refunded us the balance that they held for the taxes due. Then our mortgage company, XXXX XXXX, also paid the city tax bill for {$2100.00} on XX/XX/XXXX2018. The City of XXXX received the 2nd check from XXXX XXXX for the taxes and refunded the money to a 3rd Party Service, XXXX XXXX ( check # XXXX on XXXX XXXX,2018 ). XXXX sent the refund check to Seterus Mortgage onXX/XX/XXXX2018.  Seterus Mortgage credited the refund tax payment that my mortgage company XXXX XXXX  paid on my belhalf to loan number XXXX  and sent a refund check, this account belongs to the previous owner XXXX XXXX, who did not own the property when any of the checks were submitted on our behalf for the City taxes due. All money was paid from XXXX  & XXXX XXXX and was not refunded to us as should have been.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I did not consent, benefit from nor authorize any of the following accounts/Inquiries : Accounts : XXXX XXXX XXXX  Account # XXXX Date Opened- XXXX XXXX, XXXX Amount- {$2800.00} XXXX XXXX XXXX- Account # XXXX Date Opened- XX/XX/XXXX, XXXX Amount {$500.00} Inquiries : 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 XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2015-06-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

My son had a private loan through XXXX (naviant) . He died XX/XX/2013. The government loan was forgiven but the private loan was not. They XXXX claim I am the consignor and owe the money. My dispute is that my signature , electronic or otherwise does not appear anywhere on the note. The consignor signature isactually the printed name of my now deceased son. I've been going round and round and told them to contact my attorney several times to no avail. I do not owe this debt nor recognize it as my obligation.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX, I was on the Capital One website and enrolled in CapitalOneShopping.com to start using my card for online purchases and receive a {$15.00} statement credit. Four days later, I realized that I received another email, the same day from Capital One, saying they were closing my account. I tried to call and speak to two different individuals who just told me " according to their policy and inactivity my account has been closed and can not be reinstated ''. This is my oldest account on my credit report, I just signed up for their program, and they close my account with no negative issues- ever.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

A Concora Destiny credit card was opened in my name without my consent. I attempted to contact the company and they requested information I was not willing to give them because I was not sure they were a legitimate institution. The automated teller on their phone line for their credit cards changes between asking for the last four digits and all nine digits of your social security number and upon requesting to be transferred to an agent the teller says that they are a debt collector. The entire thing seems very suspicious and I did not trust giving them my SSN. The account in my name that I did not open currently has a balance of {$170.00} and a credit limit of {$700.00}.
Consumer complaint received 2024-02-21
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. (NC)

My complaint is against Equifax for reporting a negative tradeline from XXXX XXXX XXXX that is XXXX XXXX XXXX. They are in violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act because they are reporting derogatory information that is XXXX XXXX XXXX. By law they are required to remove this information. I am requesting they remove the negative marks they are reporting under my social security number, and regarding a {$2600.00} charge-off they say I owe, that is currently charged-off. Failure to do so will result in me seeking all legal remedies afforded to my under Federal and State Law. They will be required to defend themselves at a venue local to me. Upon receipt of this complaint I am requesting they remove the negative tradeline they are reporting to immediately!
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (WI)

We had been working with our servicer to explore our options to foreclosure. XXXX, our servicer requested all the documentation, which we submitted for a deed in lieu or a short sale. They sent us a letter stating that our packet would be reviewed, and would take 90 days. Please see attached letter. 
A few days later, XXXX assigned the servicing to Seterus. We called XXXX again. XXXX representative states they are working on the packet, it 's in the review process, another states they are within their rights to assign the servicing, and send the packet of information, which includes bank statements, taxes, paystubs, and all sorts of other information, to Seterus. XXXX did so without our express permission, or consent, we were never given the option to opt out or noticed that this would be done. That is our personal, private information being shared w/ unknown 3rd parties. 
A few days later, we go to check on the property to find a sticker from XXXX pasted to the door. It stated the property " appeared abandon or vacant '' and stated '' we owe an alleged debt ''. First, to let the entire neighborhood know that the property may or may not be vacant puts not only or personal property at risk, but also our personal safety. All on top of announcing we may owe an alleged debt. XXXX XXXX was hired by Seterus a debt collector, meaning they should know announcing to neighborhood we may owe a debt is against Federal Consumer Protection Laws, and trespassing. 
On Friday XXXX XXXX, 2017, we got a call from our Realtor, to tell us that the locks were being changed by a company named XXXX, again hired by Seterus. 
Seterus has not spoken with us on any of these matters, no foreclosure action has been initiated, no legal action of any kind has been started. Yet they are changing locks, winterizing my property and posting notices on our property. We are still the owners, and have personal property inside of the home. We pay the heating bill, the electric bill, and have contracted with a Realtor to sell the property. Seterus has no rights to change locks or trespass on my property as this is akin to breaking and entering. 
We want the locks changed back, and for Seterus a debt collector to pay strict adherence to the FDCPA. An assignment of " servicing '' does not give them any legal or lawful right to put us or our property in jeopardy, nor any right to change locks, or have some unknown company enter our property without our consent.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Transunion credit bureau is reporting a balance of {$54.00} with The XXXX  XXXX XXXX  on my credit report. This information is inaccurate, I made a payment with my debit card on XX/XX/XXXX for {$54.00}. That payment brought my account to a XXXX  balance.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

The recently received a copy of my credit reports from all three bureaus were XXXX XXXX XXXX reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3. The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

We have large purchase payment plans setup with XXXX credit cards we have with Chase. The stated interest rate is XXXX XXXX % however on XXXX of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other XXXX percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at XXXX % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my APY which is my effective rate and that those should be applied first if all were XXXX % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to their disclosure.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WA)

I had a lease with an auto company and i had all my payments set up on automatic payment so i know i never missed a payment. The only thing i can think of is that somehow there was a problem with the automatic payment setup. but when i called the company they said that there was never a late payment but on my report it shows a 30 day late. I have tried correcting this with the company as well as the credit bureaus but had no success. Please help me to get this removed as i was never late and it shouldn't be on my report.