davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

Navient despite saying they would put a hold on calls, are still calling my co-signers nonstop. 
They are also misrepresenting my loans. I am paying later in the month but they are paid before the payment is due for the next month. They are saying they are two months late when that is n't true. 
Harassing distressed borrowers is not helpful or ethical. 
I think they are harrassing them because I am defaulted on loans without cosigners. I have no hope so at least they could not verbally harass my cosigners and they should not lie.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

This is my first mortgage payment. it was transferred to Roundpoint. First, I tried to pay my first payment early. I accidentally typed the incorrect routing number. I called immediately. After an hour on hold, I was told there was nothing I could do, it would be rejected by the bank in a couple weeks. To avoid a late payment, I had to make an additional payment now. I went and immediately made an additional payment. This was taken from my bank account. However, my mortgage account now says this payment was also rejected, because it was applied incorrectly. So the money was taken from my account, but not applied to the loan. I can not make another payment ( as the money is not in my account anymore ), but I am still going to be assessed a late payment. I have been trying to get in touch with customer service for an entire day, with no answer. All I want to do is make my first mortgage payment on time, and roundpoint is literally making it impossible for me to do that.
Consumer complaint received 2016-03-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Oxford Law, LLC (OR)

At XXXX on XXXX/XXXX/XXXX I was contacted by phone with a XXXX from the Oxford law llc. She wanted to confirm my name, address and phone also the last XXXX digits of my ssn. After that she informed me that a law suit has been issued against me due to a debit owed to XXXX XXXX in the early XXXX. I once owed money to XXXX XXXX but it was paid off when I refinanced my house in XXXX. Anyhow this debit is past the statue of limitations and I 'm pretty sure this whole thing is a scam.
Consumer complaint received 2015-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

I have paid off this loan and the company keeps adding cost to this. after I paid it off I got a letter saying that I owed XXXX, I sent them the payment and today I got another letter saying that I owed an additional XXXX. When I called them they say that they did not receive anything. They have done this to me before by not posting payments and charging me late fees. I have called them and they have straitened it out before but are now not sending title without an additional fee being paid. I do n't know what else to do. Thanks
Consumer complaint received 2023-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX and XXXX of XXXX I went on a XXXX XXXX. There was an issue with my XXXX XXXX XXXX card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. 

What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at XXXX what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. 
I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX XXXX would listen to me and they never would allow me to view the surveillance. 

I called XXXX XXXX XXXX from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. 

I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. 

Capital one allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. 

My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Corp. entered a settlement agreement in XX/XX/XXXX, with the DOJ and six other states ; which included {$7.00} Billion set aside specifically for " consumer relief '' for homeowners who had been previously denied loan mods but still needed some relief such as principle reduction, reduced payments etc. XXXX Relief funds are for eligible consumers to include currently-serviced BofA home loan consumers AND ALSO former customers whose loans " were previously serviced by BofA '' but even if our loans " were no longer serviced by BofA, '' as of the Settlement date of XX/XX/XXXX. Unfortunately, as a " formerly-serviced home loan '' consumer ( XX/XX/XXXX ) I have been effectively turned away by BofA from accessing any type of application process for this consumer relief fund. Furthermore my loan was a " table-funded '' by a Countrywide name-only entity, and then serviced by XXXX which in XX/XX/XXXX was a wholly owned subsidiary of BofA, and then subsequently serviced by BofA subsidiary and former Countrywide servicing company " BAC Home Loan Servicing LP '' and then by " Bank of America , N.A . '' These BofA entities denied four loan modifications against me, despite proof of ability to pay. I have been forced into litigation to save our only home and dwelling. Now I wish to enter some modified loan / workout with current servicer XXXX, but ONLY with the additional consumer relief due from the XX/XX/XXXX settlement, i.e. 50 % principle reduction etc. as other consumers had enjoyed. 

I dispute the total amount XXXX says I owe ..due to discrepancies on escrow payments I made which they claim, and for sudden hike in interest rate even years after the non-performing loan was transferred to XXXX, and more. 
To date : it appears that though 97 % of the funds have been awarded, certainly some funds remain and the deadline for disbursement is not until XX/XX/XXXX. 

BofA acknowledges my former account / loan number and verified my seven years that BofA or one of its subsidiaries did service my loan before transferring servicing rights to XXXX ; but recently and repeatedly, several supervisory-level employees at BofA have no process for me to apply for consumer other than to refer me to the independent third-party Office of the Monitor of the XX/XX/XXXX Settlement. BofA told me that they ( or their 3rd-party contractor ) " mailed out letters to eligible consumers '' to apply for relief under the Settlement ... ' and therefore since I did n't get a letter after being service-transferred out, that perhaps my account " fell through the cracks '' while I was no longer serviced by BofA. I am asking the CFPB to help correct this, because the Monitor 's office feels it has already complied with the eligible consumers who did receive letters. I have formally asked the Monitor 's office and XXXX XXXX XXXX, XXXX Can the CFPB help monitor the Monitor and BofA for compliance of this XX/XX/XXXX DOJ settlement ?
Consumer complaint received 2024-05-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

The XXXX XXXX XXXXXXXX claims I owe them {$6100.00}. The promissory note states that it will tack on a {$100.00} fee then later a {$200.00} fee. The university tacked on those fees and reported the total amount of {$6400.00} to Conserve Collections. Conserve Collections did not communicate with me in any manner, no phone calls, no mail, no email, no debt validation letter, etc. notifying me they now have this debt. I have recently gotten a notification from a credit reporting agency stating that I owe Conserve Collections {$8100.00}. Not only have they reported the wrong amount to credit reporting agencies, but by not notifying me they have the debt, they took away my right to dispute the debt and/or pay it off to prevent reporting to the credit bureau XXXX Because they communicated with third parties, and the third parties are credit reporting agencies, my credit has been damaged by the reporting. Because of them reporting a debt to a credit agency they have yet to prove I owe, my credit has been ruined and I could not get approved for a private student loan in order to continue my education at XXXX XXXX XXXX This has held back my education and career by one year, making me miss out on one year 's worth of a pharmacist salary and will cause me to take on one additional year of education expenses from XXXX. Because I was not able to get approved for a loan due to Conserve Collections ' unlawful reporting to the credit bureau, I now owe XXXX of dollars to XXXX XXXX XXXX The acts of Conserve Collections violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Fair Credit Extension Uniformity Act. 

Conserve Collections also has a document attached to their website called XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  This method is a clear violation of Fair Debt Collection Practice Act and Fair Credit Extension Uniformity Act. It encourages universities to arbitrarily tack on a large and generalized percentage known as a " collection cost % '' to increase the amount a student owes just so Conserve Collections ' agency compensation percentage can amount to a larger sum of money.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

As of the date XXXX Portfolio Recovery Associates has resent a notification of a debt in the amount of {$3300.00} that I do not owe .According to my priorCFPB complaint ID XXXX and ID XXXX the matter was closed. Also I received a notification XXXX stating a XXXX amount owed. I regard Portfolio Recovery Associates latest action as harassment.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

I submitted an EFT form to PNC Mortgage XX/XX/XXXX authorizing monthly electronic mortgage payments to be made commencing XX/XX/2017. I highlighted the date that this process should start and PNC Mortgage failed to process the form correctly. PNC Mortgage electronically took the XX/XX/XXXX mortgage payment out of my checking account on XX/XX/XXXX. PNC Mortgage told me that I would have to wait one week to get my money returned by mail once PNC Mortgage received a letter from my bank guaranteeing the funds that PNC Mortgage already has taken from my account prematurely. I made my XX/XX/XXXX mortgage by mail and it was paid on XX/XX/2017. I was told by customer service that my next payment is due XX/XX/XXXX. This is an undue hardship for me and I want reimbursement for the overdraft fee of {$36.00} that my bank is charging me and well as my payment of {$650.00} electronically transferred back into my account immediately PNC Mortgage refuses to EFT my account for their taking of my money prematurely. This is money I need now to pay other bills and PNC Mortgage will only operate their way and I think it is outrageous that it can prolong reimbursement to a consumer for an overpayment of a mortgage payment especially. It is n't like it 's a {$25.00} charge ...
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC (WI)

On XX/XX/year>, I went to the ATM in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the atm had glitched, and i didnt get any money back in return. I had wanted to pulled out {$100.00}. I had talked with someone at said store, and they said they dont own the atm to call XXXX XXXX, I had called them they said i need to call my bank, which is Dave XXXX XXXX XXXX XXXX XXXX XXXX to do a EST Dispute. they did their investigation, and found it to be wrong. Which means, they are saying i did in fact get the money from the atm. they did get me a credit for the XXXX but after they made the choice that i did get the XXXX from the atm, they took the XXXX back and now are charging me XXXX again. I have been in contact with the atm company and my bank, the bank says if i want to reopen the case to email this email, i do and i dont get any respond. the atm company says too keeping calling and fighting it cause its a law to do an EST Dispute. i am at a loss as what to do now. i am owed XXXX there has to cameras all over to see i didnt get any money from the atm. there are XXXX atms at the location, and i used the one that says XXXX XXXX. please help!
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coast to Coast Financial Solutions, Inc. (LA)

Debt should have never gone to a collection agency because there was no debt. XXXX did not know anything about this until I was getting a loan at the bank I have excellent credit. When I saw this collection from coast to coast for XXXX I investigated and found out alarm services turned in a collection saying I owed them XXXX for a digital monitor the equipment. I gave proof to them that both the monators were sent back and signed for by them on XXXX/XXXX/2014 with XXXX. serial numbers XXXX and XXXX Then the collection sent me an invoice trying to collect for it going to the collection agency which it should not have gone in the first place of XXXX saying this is a settlement offer. I told them that I was not going to pay for something that should have not gone to them in the XXXX place. Then they send me another invoice from coast to coast for alarm monitoring services for the amount XXXX that they are saying I owned them again. In the XXXX place I never got notice of oweing them anything in 2014 then they said it was for equiment they did n't get which I proofed to them they got which XXXX of there equiment was in XXXX package, how did they get XXXX without out the other, then they said it was canceling without notice which I gave them notice. This company has messed up my credit with there lies. I have all the paper work with this if you need it I can mail it to you I do n't know how to put it on here. I sent this to the XXXX and made a complaint to them.
Consumer complaint received 2022-08-09
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: GOLDMAN SACHS BANK USA (FL)

The issue involves the Apple Card by Goldman Sachs Bank USA. 
I have tried since XXXX of XXXX to resolve dispute about a balance I do not owe. In fact, 2 associates told me I have overpaid. One stated I overpaid over {$300.00}. And another said over {$100.00}. I have been on the phone with them numerous times, which usually last 2 hours, going over the same problem, despite them having individual notes from each discussion. I have been told no interest would be accrued while in dispute but it continues. I wrote a letter, thinking that would resolve the issue but I didnt even receive a response. The latest balance, according to them, is {$400.00}. I do not owe this. Each time I have called every associate and specialist and or Supervisor comes up with a different amount. It should be a simple matter of adding and subtraction This has been an ongoing nightmare and has effected my excellent credit.. 
I do not have all dates, not realizing I would need them, but I know I called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also have a copy of numerous text messages. Some people I have spoken with are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
They refuse to resolve and while they state they will send in dispute, I receive nothing. 
It took forever to close this account, another 2 hour ordeal. 
I have never dealt with such an incompetent company in my entire life. 
I hope you can get some results. The XXXX, time, and damage to my credit is beyond upsetting.
Consumer complaint received 2015-04-01
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (TX)

put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a lawyer.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An Employment Credit Report was conducted by TransUnion on XXXX/XXXX/15. The report concluded " ADDRESS ALERT : POSSIBLE ADDRESS MISMATCH IDENTIFIED - BY LAW, ACTION IS REQUIRED BY THE EMPLOYER. '' The address they listed on the report was XXXX XXXX XXXX, XXXX, CA XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The XXXX Service and XXXX XXXX XXXX XXXX XXXX ( of which XXXX is a part ) allows for " XXXX '' addresses. Despite multiple attempts to contact TransUnion, I have been unable to get my credit report or talk to an actual human being. I have no idea whether my potential employer will see the Address Alert as something to be concerned about, despite the fact that it is merely TransUnion 's omission of the " XXXX '' part of my correct and legal address. And I have no way of correcting such a trivial error since I can not get in touch with TransUnion. I 'm attaching the complete background report, for your reference.
Consumer complaint received 2022-02-28
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-10-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

In XXXX, I received a call from a banker from Citibank informing me that someone was on the phone posing as my husband and attempting to establish a credit line with them. I informed them during the call this was not possible due to my husband being deceased and was informed that the person on the call had disconnected and no further steps needed to be taken. I then later on, received notification by mail from Citibank XXXX/XXXX/XXXX, addressed to my deceased husband, informing that an account had been opened using his info and there was suspicious activity reporting. In the letter it contained a number to follow up with, if this account had not been set up by the addressed person ; I immediately followed up with Citibank and made them aware no account was opened due to my husband being deceased since XXXX and also that i had spoken with someone previously to address this. I was made aware that steps would be taken to resolve this matter and on XXXX/XXXX/XXXX did receive additional follow up to inform that an investigation was completed and account would be closed and forwarded to the credit bureaus to be addressed. How is it possible that a person being deceased that long, with reports being sent over to the social security administration initially to make aware, can still have someone open up a new credit card and use this. This is n't something that should be able to happen, and the way all of this was addressed from the opening of the account until the resolution was n't handled properly.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent multiple dispute letters to Experian about incorrect information on my credit report. Not only do they have my name wrong, but my social security number and address is wrong also. I have reached out by phone, I wrote multiple letters and submitted a dispute online. Still no results.
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (GA)

On the Experian for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!