davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

I had a mortgage with XXXX in XX/XX/XXXX they gave my mortgage to a company called greentree servicing. My mortgage was XXXX at the beginning a couple of years ago I lost my job due to closing. So last year I applied for a home modification they sent me some papers stating that they would give me a temporary modification for XXXX year. They drop my payments to XXXX for a year. So this year XX/XX/XXXX that modification was finish. So I got a letter in the mail stating my new payment is XXXX due to the escrow paid my taxes and insurance while I was in this modification for that year. So I looked at the statement they charge me for XXXX years taxes and insurance but I did n't have the modification but for XXXX year. So I question them about this to a lady name XXXX she my representative she told me she did n't know about that I need to asked them. She also stated to me have n't they been paying your taxes and insurance since you been in the home I told her lady I been in my home for 9 to ten years and I always paid my own insurance they never paid it. I told her I can not afford these payment I need a permanent modification. They sent me the papers and when I sent them in they told my they could n't give me a modification because they did n't have the authority because the were just contractors for XXXX mortgage. I ask how can I contact XXXX Mortgage they would not give me the information. Please help me I do not want to loose my home.
Consumer complaint received 2023-03-16
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. (FL)

I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to TransUnion, XXXX, and XXXX. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to XXXX asking them to remove Several addresses from my report because I only have one address. 

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections! 

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

I was being over charged on my loans for years. After finding out i did n't know what. Else to do. Come to find out Navient was the blame. So I 've been trying to find away to pay this back. I 've been unemployed so it 's been very difficult for me. I need help with my next step. Now i ca n't apply for anything else because of it going into default. I went to Itt-tech here in XXXX North Carolina. Just recently. Found out about the situation. I really need help on what to do next because I 'm trying for school Now and having a very difficult time with Navient on my student loans. I dont think it 's right for a company to get over and crush peoples dreams pr careers that they are trying to pursue.. My loans we 're over XXXX dollars and i am lost on the next step that needs to be taken ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (PA)

XXXX XXXX XXXX is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/2023, I made a couple of withdraws at an XXXX ATM, located inside of an XXXX  gas station ( XXXX XXXX XXXX XXXX. XXXX XXXX, NV XXXX ). The last two withdraws I made were not dispensed to me, both transactions were {$400.00}. I then called the number on the ATM ( XXXX XXXX XXXX ), the agent created two cases for the transactions. The agent then provided me with both case numbers ( XXXX & XXXX ), told me to contact my bank and ask them to file a Regulation E. When I got back into town, I called them that Monday ( XX/XX/2023 ) and they created the disputes and also told me, if they haven't finished their investigation within 10 business days that I could be eligible for a temporary credit while they are investigating. I've called Serve on multiple occasions and they have been telling me to continue wait and keep checking back in. It has been about a month since I've heard anything from them, I haven't even gotten an email. When I called this morning, the agent refused to transfer me to an supervisor/manager, she wouldn't even transfer me to a different agent, and once again they told me I have to continue waiting. This money was my rent money and now I'm not even sure how I am going to make my rent. This has been such a HUGE inconvenience for me. I believe that customers should never get treated the way I've been treated. I just really want all of this resolved.
Consumer complaint received 2015-05-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Preferred Collection and Management, Inc. (IL)

I have a medical bill that I am paying for a my sons XXXX. ( I was n't aware of the bill until after I found out, from my own investigation that I even had a bill in collection ). I have requested XXXX via letter from the agency, Preferred XXXX, to please send me a bill, invoice, or something reflecting what amounts I currently owe. ( I have been paying every month {$50.00} to a company without any notice of a bill besides my voided checks as the only way to show proof of payments ). I finally received a call from a XXXX XXXX who was condescending and rude. He informed me that because I live in XXXX and no longer in XXXX, I will not be receiving a bill from Preferred XXXX, because they are not licensed in this state. All I want is SOMETHING, reflecting that I am making continuous " good-faith '' payments to an establishment. Is there legal recourse for me???
Consumer complaint received 2024-05-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc. (TX)

My name is XXXX XXXX, and I am a customer of North Lane. I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address the misleading practices and customer service misconduct I have encountered with North Lane. On Monday, XX/XX/year>, I made a {$14.00} ( and some change ) gas purchase using my North Lane prepaid card at XXXX XXXX. Subsequently, a hold was placed on my account, preventing me from accessing my funds. ( Witch is not my grievance ) Upon contacting North Lane, I was given conflicting information about the hold. 
Encountered : I experienced the following issues : Misleading information provided by North Lane representatives regarding their involvement in placing the hold.Failure to acknowledge responsibility for the hold despite evidence in the terms of service agreement.Wasted time and frustration due to conflicting information and lack of transparency.Evidence Provided : I am willing to submit the following evidence : Screenshots of the terms of service agreement highlighting relevant clauses. Request for Action : I request the following actions from the CFPB : Investigation into North Lane 's practices regarding customer service and transparency.Enforcement of regulations to ensure fair treatment of consumers.Compensation for any damages incurred as a result of North Lane 's actions.Conclusion : In conclusion, I urge the CFPB to take action against North Lane to address the misleading practices and customer service misconduct I have experienced. Despite their terms of service clearly stating otherwise, North Lane representatives denied responsibility for the hold on my account, causing unnecessary confusion and inconvenience. I appreciate your attention to this matter and your commitment to protecting consumers ' rights.Contact Information : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma (PA)

I have a spend account and savings account with credit karma. I decided to open a credit builder account which is supposed to help raise your credit scores. So far I have deposited {$60.00} into this account. I have seen no improvement so I wanted to close my Credit karma Builder account and get my {$60.00} back. I reached out to them on XXXX XXXX and have only received an automated email back. The account still shows as open and my {$60.00} is still in the account but not accessible to me. I wanted to keep the other two accounts open still -the savings account & spend account.
Consumer complaint received 2020-10-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match. 

XXXX XXXX # XXXX First you published inaccurate balances of XXXX and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with XXXX  XXXX. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU  HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications.

I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.
Consumer complaint received 2016-01-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I believe paypal is scamming me. A few months ago I made some purchases on ebay and used PayPal to purchase items. After quite a few purchases I started receiving bills in the mail from PayPal for paypal credit. I did not sign up for this service and expressed that to them but all they would do is cancel the service. My bills from them are stacking up. Please help me.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute on XXXX XXXX. On XXXX XXXX ( 36 days later ) I received an investigation letter showing the info disputed was updated. The information was still inaccurate. On XXXX XXXX I sent a letter telling them it was inaccurate and for them to please remove the disputed accounts for non-compliance. 

I have detailed records of all my letters along with certified postage and return receipts.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC. (FL)

I am behind on my mortgage by 40 days. I tried to make a payment tonight online at SunWest 's website. The site would n't allow me to make a payment, stating : " Loan # XXXX as of XX/XX/2017 XXXX EDT One Time Payment is not available at this time because your mortgage payment is now 30 days or more past due and your loan is in default. We are concerned about your missed mortgage payment and we want you to be aware of the assistance available to you in case you are unable to bring your payments current. Please contact SWMC 's Home Retention Department at XXXX. Your Personal Concierge is available to assist you between the hours of XXXX to XXXX PT, Monday through Friday ( except Federal Holidays ). ''
Consumer complaint received 2015-09-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (UT)

Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone.
Consumer complaint received 2015-05-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Northwestern Mediation Services (SC)

i recieved a call from someone claiming to be from a law firm. threatening to sue me which i never recieve any written lettter or know any about the company that is trying sue meor anything..they claim i owe debt with a company i 've never dealt with ....
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was given a loan from Countrywide for 100 % of my purchase price on XXXX. 

I am currently in Foreclosure. 

Please help me and my family save our home. 

Thank youXXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Mortgage ' XXXX I called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have worked very hard over 25 years to have outstanding credit. I have all credit card statements sent to me by post each month and pay my credit card Statement in full, each month.  For reasons I will never know, I did not receive statements from Bank of America for the months of XXXX-XX/XX/XXXX.  When I inquired about this and finally received hard copies on XX/XX/XXXX I paid the amount in full the same day and they willingly removed the delinquency fees.  When I asked them to send me proof that the bills had been sent each month so that I could work with the US Postal Service to find the problem, they could not send me any evidence that the bills had been sent. None-the-less, Bank of America closed my account which affects my Credit Rating.  This is just wrong as it helps Bank of America and hurts the customer.  When Bank of America  causes a problem for a customer, it is in their best interest because reducing a customers credit rating allows them and all other credit agencies to charge higher fees.
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

Unfortunately I had to file Bankruptcy with Tower Loan in XXXX, MO. Being one of the creditor 's. I called in and gave the lady employee my lawyers information and let her know what was going on. The branch manager then called me back trying to convince me that the best move was to still pay them. I explained it was better for me to file on all my creditor 's. At that point
XXXX  said that he was taking this personally. He had " stuck his neck out " for me to get the loan and it was a " kick in his XXXX  '' then he told me it
was the worst time of year for me to do this and that I was " XXXX  up his XXXX  bonus '' He then went on to say how " he didn't know how I could stand myself i was a bad person '' " your just a horrible person '' He then threatened " ill be at your hearing wait until you see what happens ''
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC. (NY)

A rep.at XXXX signed me up for a lease without my knowledge, I attempted to correct it from the time I recd the bill and they did not believe me, then the reps that would listen, kept telling me there was no such plan, over and over they declinded to understand what had happened, I had been wuth them for a few yrs, went in for my free phone upgrade, and the guy signed me up for something I did not ask for, it was the third bill that had finally told me the plan ... befire I knew it it was in collections, now im harrassed by them..XXXX did me wrong, and lost a loyal customer because of a crooked salesperson.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Neon Newco Corporation (MD)

I received an unsolicited 'NetSpend Prepaid XXXX ' in the mail yesterday from XXXX. XXXX XXXX, XXXX, TX XXXX. I could not find anything in the attached paper to explain what 'prepaid ' meant. I called the telephone number listed ( XXXX ) to opt out of receiving anything else from this company but the recorded message said the card had not yet been activated so they needed my Social Security number for something. I hung up immediately when they mentioned my SSN so I do n't know what the rest of the message said. I cut the card into pieces this morning and dropped the pieces into separate recycling bins. This card is issued by XXXX. There 's tons more fine print but I 'm not going to read it.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

I have been receiving calls from a private number from the same female saying she was with XXXX XXXX telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a XXXX timeframe and that if I did not make that payment, The calls started on XX/XX/year> and I received a total of XXXX calls up until XX/XX/year>. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for XXXX XXXX 

If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. 

I believe it is a XXXX XXXX  employee trying to affect a payment illegally and in violation of Federal Law.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent. XXXX XXXXXXXX stated this account isnt being reported on my consumer report however it is currently showing on my consumer report