davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (SC)

I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( XXXX ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( National Credit adjustments ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callNational Credit Adjustments is the one that reported it to all three credit reporting agents, i want proof of this debt
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MI)

I have been a Barclay Credit Card holder since 2014. After reviewing my payment history I discovered that they were taking XXXX dollars a month for interest which only 10 percent of my payment was actually going towards paying down the balance. Their terms and agreement page is misleading and unclear.
Consumer complaint received 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Specified Credit Association, Inc. (PA)

I used a health club XXXX under a coupon for a free week of trainings. During that first week, I liked it the second day so I asked for a membership and was told the contract would n't start until the week was up. On the fourth day, I XXXX at work. I could no longer attend the gym. I went in and filled out a form saying I am canceling my contract. Two months go by and I start receiving calls from the collection agency non stop all hours of the day claiming they never found the papers saying I ended the contract and I owe the full amount due. I spoke to the manager of the gym who says he has no idea what I 'm talking about, and its the collection agency 's problem now.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

On XX/XX/2016 i called Ditech because I noticed a late fee on my account. I am currently setup on bi-weekly autopay through Ditech 's website. According to XXXX ( the rep i spoke with ) she indicated that funds were withdrawn at the wrong time and applied to principal. A case was opened for the reallocation team to remove late fee and fix issue. On XX/XX/2016 I noticed a XXXX late fee for the same issue and called customer services. This time XXXX helped and has now opened a case to have the reallocation team remove both late fees.
Consumer complaint received 2016-10-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (WV)

Mastercard sites will not find an atm location on their XXXX different sites! this is fraud to get you to pay fees! also spent 20 minutes on the phone ; it finally said hold on for a person. Then said they hade a high volume call back later and hung up on me again ; tried 3-4 times! 
These are the XXXX sites try them ... ... ... ..the last one is SS web site, too! 
XXXX XXXX XXXX
Consumer complaint received 2015-05-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (FL)

This Co. keeps calling me on different phone numbers XXXX to XXXX times a day looking for my sister XXXX XXXX and I have asked them XXXX times to stop calling me and that she does not live here and they say the will but keep on calling over and over again they like to call from a new number and say that they have never called before but caller ID says different and there is XXXX different people that is on the phone when they call I have a phone for my own purpose not to get harassing calls for my sister and they are very rude when you try to talk to them about this
Consumer complaint received 2022-08-09
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
TRANSUNION : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX17, my credit card information was compromised and used for fraudulent purchases. I was notified by account alerts about the activity. I immediately called Bank of America customer service about the activity on my account. They immediately took care of the situation and stated that a new card would be sent out. Needless to say, ever since that time, I HAVE NOT RECEIVED MY NEW CARD. I have made numerous phone calls to Bank of America, spoke with numerous customer service reps, verified all my information each time, so much so that I have lost count and I still have not received a new credit card. Instead, I keep getting letters in the mail about me needing to call them. As stated before, the first letter stated that I need to call and verify all my information. In which I did. Now the second letter dated XXXX XXXX, stating that they could not process my request for credit because of restricted access to my credit files with the credit bureaus. What does that have to do with XXXX in XXXX. I am NOT APPLYING FOR A NEW CREDIT CARD. I have had my account for years in which a lock on my credit bureau account has always been there. Way before my credit card was compromised. I have had it with talking to EVERYBODY and not getting anywhere. In addition to my account being compromised now I am being victimized by Bank of America. No one should ever have to go through this. But here I am with no new card.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am the POA and legal Guardian for my XXXX XXXX XXXX mother with XXXX. Bank of America has all the documents that show I LEGALLY can open accounts, lines of credit, etc... they also have guardianship documents and a letter from her doctor stating she has XXXX. They REFUSE to honor these documents but insist on speaking with my mother who is bed ridden and can't tell you what she ate 2 minutes ago. XXXX patients need to be handled carefully. 1. Do not rock their world with anything that will upset them! Money matters can cause stress for them. Having the state come out because the bank has turned their daughter over for elder abuse because I stood my ground as the law and documents prescribed. Not once but twice over the years! causes stress for my mother. THIS IS ABUSE! Several years ago her tax returns were stolen and thus her identity I couldn't even get the police to prosecute the criminals and I had pictures of them cashing phony checks with my mothers signature and the car dealership where they purchased a car with mom 's funds had the thief 's info. as well! Yet, I am the one that gets harrassed, slandered and emotionally abused. How am I to serve the best interest of my loved one when these fools won't let me? If I was left as guardian for a dog and wanted to open a credit card to pay for some type of XXXX would the bank insist on speaking with the dog? Do you see the craziness of this? My mother can see and speak but has no cognitive ability to discern anything! I am hereby filing a complaint against Bank of America for emotional abuse and slander against me and failure to carry out their fiduciary responsibility to my mother and her legal wishes per legally drawn and signed documents.
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was notified on XXXX/XXXX/2017, that due to me using the overdraft protection that capital one 360 had decided to close my account. At that time. I explained to them that I had a direct deposit coming into the account. They said no worries that as soon as the deposit came in for me to call and they would transfer the balance to my. External account with the credit Union. today is XXXX/XXXX/2017 and I still have not received my money. I call every day and im rudely told that it will be there the next day and as of yet it has not happen. I have been inconvenienced to the highest level. I need my money as I have requested!
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

The Stillman Law Office has been collecting for a XXXX XXXX XXXX credit card that had gone into collections. Stillman filed a Writ of Garnishment XXXX/XXXX/XXXX and I immediately filed an answer to stop this by applying for periodic payments XXXX/XXXX/XXXX. We went to court XXXX/XXXX/XXXX and we agreed on monthly payments. After the confirmation that the writ was canceled, my employer is still getting letters about the garnishment. It is very distressing and embarrassing that they are still trying to collect on a garnishment that is no longer in place.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

I received a letter from Afni , Inc in XXXX XXXX requesting payment for debt so I asked them in writing to provide me with a breakdown vial USPS mail of what I allegedly owe as well as documents from XXXX XXXX XXXX with my signature agreeing to this account as I suspected fraud. They never responded. After contacting the XXXX about this in XXXX, Afni now states that I have a past due XXXX XXXX XXXX account in the amount {$120.00} from XXXX ( yet they have listed this account as being opened in XXXX on my credit reports ) and included past due bills as verification that this account was mine. I expected to see an actual breakdown of how they came up with {$120.00} or notice from XXXX XXXX XXXX that has my signature agreeing to this service. They have not produced that information to me and by attaching bills, I believe they know this account is n't mine nor can they prove it but they want to bully me into paying a debt that I NEVER owned.
Consumer complaint received 2016-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IL)

I never had XXXX I have had XXXX for the past 8 years and. An prove it. I communicated this to others XXXX and afni but they still wo n't remove.
Consumer complaint received 2017-02-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolios Servicing and XXXX Bank as trustee for the holders of the XXXX Mortgage Trust XX/XX/XXXX are attempting to foreclose on my property located at XXXX.The assignment that is being used was created and robo signed after the cut off date of the trust ; according to the pooling and servicing agreement filed with the S.E.C all mortgages were to be conveyed by XX/XX/XXXX. The assignment was also created, and notarized in Florida when the property is located in XXXX. I submitted two Qualified Written Request to select portfolios and neither of these documents have been addressed. 
SELECT PORTFOLIO SERVICING XXXX
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Consulting Services, Inc. (TX)

I am XXXX military and as such receive 100 % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My wallet including my license and credit cards were stolen. I panicked, but was relieved that my Bank of America credit card was suppose to have guaranteed protection in case fraud or theft - " {$0.00} Liability Guarantee that covers fraudulent transactions made by others using your account ''. I filed a dispute against XXXX total charges for a total of {$210.00}. The charges included places I had never been to including a smoke shop ( I don't smoke ) and a convenience grocery store. Bank of America denied ALL XXXX of my fraud dispute saying " the merchant provided documentation you received the merchandise or service '' which i don't understand how that was physically possible seeing as my wallet was stolen and I did not make these purchases. 

I have never filed fraudulent charges in my almost 20 years with this bank, and was disappointed to be treated this way. 

I will be attempting to appeal this decision then close my account with the bank, but a complaint is warranted as I should not have to go through this process to begin with.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I refinanced my loan with XXXX for {$310000.00} dollars on XX/XX/. The loan amount owed at the time was {$290000.00}. I overestimated because I had been making excess payments on the loan at that time. My account balance shows- {$15000.00}, and has since XX/XX/XXXX  However, there are loans due ( according to statements ) totaling approximately {$48000.00} that I am delinquent on. There should not be any loans due as I completely refinanced the loans. I should be owed {$15000.00}. It has been 5 months and still not a peep. I have spent many hours on the phone with Mohela to no avail. They are supposedly going to send me pre-Mohela and Mohela financial transaction records. For some reason they are unable to have any accounting history of these records, which is odd, considering the large nature of these financial transactions. I spoke to a representative today that escalated the call. They are now supposedly going to look at the loans as they should have been included in the refinance. My concern was that these loans, that shouldn't exist, would just be added to my refinanced loans. She said I just had to wait and trust that Mohela would due the right thing. I told her I did not. After 2 hours of patiently and politely waiting on the phone for them to figure things out, she hung up on me.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One recently canceled my credit card without providing me with an explanation. Capital one called me two weeks ago and said there was suspected fraud related to my card and I needed to upload personal documents online in order to verify my identity. The documents requested were : a copy of my passport, the front and back of my social security card, and a bank statement. I provided the documents through their online portal and received a call the next day notifying me that I should call them. When I called them I was told that my account was permanently suspended because of fraud related activity. I asked them for an explanation, but was told they can not provide XXXX. I asked why a fraud investigation was being conducted in the first place and I was told they can not tell me. Prior to receiving the initial call there was no suspicious activity on my account. I 've held a card with Capital One since 2007. In the end the only answer they gave me was " I 'm sorry Sir your card is permenantly suspended, you may apply for a new card. '' My concern is two-fold. First, I deserve an explanation for why my account is being canceled. I 've never had a late payment the entire time I 've held the card. Second, if Capital One did indeed find fraud related to my account I would like to know so that I can take action to ensure my other accounts are no compromised. What can I do to obtain information as to why my account was canceled?
Consumer complaint received 2017-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have tried submitting various complaints to TransUnion,  XXXX , and   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted one dispute to TransUnion o n      XXXX   XXXX , 2017     and on      XXXX   XXXX  , 2017 I was notified the " investigation '' was completed. They are required under FCR  A  regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This is a follow up complaint on a problem I had with funds transfer my USAA checking account on XX/XX/2019. I transferred {$1100.00} from my XXXX XXXX XXXX checking account to my USAA on the USAA app and when the transaction was completed, USAA put a hold in the amount of {$700.00} until XX/XX/2019. On XX/XX/2019 I logged on to my account and saw that USAA changed the hold until XX/XX/2019. I contacted USAA and after being transferred to several representatives, I spoke with XXXX on the CEO 's Office who told me that he filed a ticket and I would be contacted in two days. USAA never contacted me in response to XXXX 's ticket and since I also filed a complaint with CFPB, yesterday I received a voice mail and an email from XXXX XXXX from USAA, but when tried to contact her today at XXXX to discuss my car payment which USAA returned unpaid, although funds were available on my USAA checking account, I only reached her voicemail. I called USAA again and was transferred to XXXX at XXXX, also in the CEO 's office. He told me that he could not help me because he was not assigned to my case and again, my issue was not resolved. I contacted USAA on regular business hours to ensure that my problem would be resolved and that I would be able to request a letter from USAA to XXXX XXXX XXXX explaining the return on my payment when funds were on my account. but was not able to speak with XXXX XXXX or anyone else who could help me. XXXX XXXX was clear on her voicemail that she was calling me to discuss my complaint with CFPB, but didn't seem to be interested on discussing the problem with my account. Today I withdrew the funds from USAA and will make my payment to XXXX XXXX XXXX from my XXXX  XXXX XXXX account, since USAA is not a reliable bank.
Consumer complaint received 2015-10-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I graduated from XXXX University in XXXX, Ohio and I have a large sum of private student loans from XXXX XXXX/Navient XXXX {$80000.00} ) in which my father is my cosigner. After I graduated college and started making payments on my private loans, I wanted to look into how to remove my cosigner. The loan holder company informed me that to remove my cosigner I had to make 12 months of principal plus interest payments and then submit an application. I followed this advice and made those payments for 12 months. When I contacted the company to ask for the application, another individual told me I was misinformed and that my loan actually required 24 months of those payments. She also told me that my balance needed to be significantly lower in order for my application to be approved. After discussing it with my cosigner, the decision was made to not continue making those large payments for another year because it was suggested that we would not be approved anyways. Fast forward a couple years and my cosigner 's health is not in good standing. With the threat of having to owe the entire loan back whenever he passes, I reached out again to see what I could do to have him removed as my cosigner. Interestingly enough, I was told 12 months of principal plus interest payments. When I learned this I asked if I could go ahead and apply since I had met that requirement a couple of years ago. They informed me I was not eligible because those payments have to be made in the 12 months before I apply. I am hesitant to make such payments again when they seem to be inconsistent among their employees. I was informed that their policy can be changed at any time. My fear is if I made these payments again XXXX which is financially hard to do XXXX that they will just tell me different information when I ask to submit an application for cosigner release.
Consumer complaint received 2015-05-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

In XXXX 2015, SunTrust Bank notified us that they had returned a deposit we made to our checking account. The check for the deposit was not returned to the payor, but was actually paid when initially presented to the bank on which it was drawn. SunTrust 's return notice resulted in a negative balance in our checking account along with the pursuant penalties and fees. SunTrust has tacitly admitted culpability by voluntarily crediting all return and overdraft penalties and fees associated with this transaction. SunTrust has not replied to our XXXX written requests to remove the negative balance from our checking account. SunTrust will not explain how this paid deposit became a " returned '' item. Please help us get a response from SunTrust.