davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF HAWAII CORPORATION (NY)

Can you tell me if I need to write a letter to my bank to request the PMI payments no longer be required? I passed the Scheduled XXXX % LTV Date on XXXX/XXXX/2014, however they are still billing me for PMI premiums in my mortgage payments.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I lost my job in   XXXX   XXXX   XXXX  . I started falling behind in my payments on   XXXX   XXXX   XXXX  . I received  XXXX  for 6 months unable to find a job. I started working as a substitute teacher in   XXXX   XXXX  . I 've been in this situation before with Chase Mortgage but went through all the steps and started making my payments again on time when I found a job. I 've never missed a payment while I was working in the 16 years that I was employed with Chase. I just found out my house was sold back to Chase on   XXXX   XXXX   XXXX   without any knowledge. I 've been working with   Chase   the whole time I was  XXXX  and then I get a letter saying I 'm in foreclosure and my house was sold. They did n't work with me like they did the first time in   XXXX   and I was unemployed longer during that time. Dealing with Chase mortgage you constantly talk to a lot of case workers. My situation is handled by many and you have to keep sending in information all the time. I want to keep my house. I need your help.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (PA)

I called in to Convergent outsourcing solutions to get verification of a debit that showed up on my credit XXXX, XXXX 2016. I called in and requested a letter for the debt. The representative told me that she could n't send me a letter because I was n't making payment on the debt at the time that I was requesting the letter.
Consumer complaint received 2016-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (NY)

Currently have federal student loans through ACS and trying to consolidate multiple student loans into a Direct Consolidation loan. Upon completion of application through the Dept of Education my consolidation was denied becuase my current servicer, ACS, stated that I had XXXX balances on all my student loans. Per my National Student Loan Data System report my current balance is {$140000.00}. ACS is preventing me from consolidating my student loans.
Consumer complaint received 2021-06-05
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. (WA)

Transunion has a hard inquiry on my report from : XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not request or authorize this. I went to transunion to freeze from credit due to receiving two letters dated XX/XX/XXXX from XXXX XXXX  - stating I was denied credit to open a XXXX XXXX  account ( which I did not do ) and XXXX  XXXX  as well. I will upload those two letters - but assume i need to report each one separately?
Consumer complaint received 2015-08-23
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)

I cosigned a loan for my son at XXXX XXXX XXXX XXXX and he decided to leave school and enroll in the XXXX. While serving as an XXXX military member in XXXX, Navient took over his XXXX XXXX loan and did not properly defer his payments while XXXX. He is now having trouble with anyone trying to help him at Navient and they have instead decided to just bypass my son and come after myself with threatening letters, phone calls morning, noon and night to both myself and any family members they think they can track down. They also do not provide any loan statements or information on balances, payments made, etc. You waste your breath trying to talk to these people because they just want to hound you.
Consumer complaint received 2015-10-16
Product: Prepaid card — Other special purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (IL)

I have a rushcard and they sent out an email last week saying they was going to be doing updates on XXXX/XXXX/2015. That was fine and went I went to check my account the little I did have in there was gone. They made an statement that whoever was getting paid 2 days early or the day before will not get it until their payday. Today XXXX/XXXX/2015 is my payday and I have n't not got anything. I check my card on XXXX/XXXX/2015 it was money on my card and then when I went back to check it again it was gone. I have bills that are due and kids that need stuff. Rushcard mess up everything. Once I get my money from them I 'm done. I have to pay a late fee on my bills and figure how to get the stuff my kids need. This is not fair. I been calling all day and I get the same story, that they trying to fix the problem and they will send out a text when it 's up and working. My plans had to get cancel cause of this. I have to figure out how I 'm going to get to work on Sunday.
Consumer complaint received 2021-01-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (ME)

I got a phone call from a 3rd party Debt consolidation repayment company. They said they needed to consolidate my loans bc I work for a nonprofit business now and set up for a income based repayment plan and said my current servicer Nelnet, could not consolidate them for this purpose. I saw that my password was changed from student loans, but I have not heard and from them and it has been a week. I first spoke to a female on XXXX that evening is when I got an email from the Dept of Ed that my password changed and I had not done that. I am not getting an answer to know if my loans were indeed consolidated or not. If they were not, then I know this call was a scam and my personal information has been compromised.
Consumer complaint received 2015-10-20
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NJ)

My biweekly recurring direct deposit from my employer normally hits Tuesday, by XXXX. Nothing was deposited and my balance is reflecting XXXX. I coordinated with my payroll and they confirmed it was sent, but after waiting on hold with Rushcard for XXXX minutes they advised my deposit was n't reflecting. This is a major hardship for me, for I am a single mom, flying with XXXX wing, and my son is a full time college student and tuition fees do not have any grace period, nor does my other bills in promised to pay today. I pay my bills in increments of XXXX, versus in full at the top of the month, due to making less then the cost of my total bills. The company has taken ownership of the technical issue, but has neglected to resolve it and grant me access to my paycheck. Please help!
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIRST NATIONAL BANK OF OMAHA (VA)

There was a non authorized transaction on my credit card ( that had a XXXX balance ). The company, First National Bank of Omaha, allowed for the transaction to take place. While I disputed the charge, the company proceeded to charge me " late fees '' in excess of {$100.00}. I now have a negative outstanding item on my credit report with XXXX. I ask that this be corrected immediately. My consumer rights were violated by multiple institutions and I ask for CFPB 's assistance in making me whole. I ask that the item at XXXX be removed from my credit report immediately.
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

We have a XXXX investment account, which includes a cash account that is managed by BNY Mellon ( we are told ). We were contacted by their fraud department due to some odd charges on our XXXX debit card. We called, confirmed that the charges were n't ours ( XXXX and some prison phone service - neither of which have we ever used ), and asked to have the card shut down as soon as we got some cash out. The card was not shut down, and five days later there were more charges. We contacted the bank, and were told by supervisor XXXX XXXX that all of the charges would be reversed, and that we 'd receive confirmation in 10 days. We then received a letter stating that BNY Mellon is denying the claim, and giving a number to call. I called, and the person there said " Maybe you should write them ...? ". 

This is a XXXX card with an advertised 0 % liability, and we 're out over {$500.00} - that makes no sense.
Consumer complaint received 2021-06-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management (FL)

Fox collection has continued to harass me and threatened to damage my credit after advising me the matter was completely taken cared of per the supervisor which I have a voicemail from her advising me of this. But once again in their true fashion they continue to harass me every other month. I don't owe this debt and at this point I'll be taking legal action against this company. They put things on my credit to then remove them. The supervisor told this issue was done and resolved but now 2/3 months later it's the same XXXX!!
Consumer complaint received 2015-08-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

My mortgage was transferred from XXXX XXXX XXXX XXXX to Green Tree Servicing LLC. I did received a letter from XXXX XXXX XXXX XXXX notifying about this change. It is my understanding that all servicers engaged in the transfer of my mortgage to send me a notice at least 15 days before the effective date of the transfer. However, I have not received a letter today, XXXX/XXXX/2015, 2 days after the effective date of XXXX/XXXX/2015 from Green Tree Servicing, instructing me on how to make payments, customer service contact information etc. I had use the information provided in the letter from XXXX XXXX XXXX XXXX to contact them and find out what my account number is and how to make online payments. 
I only have 10 days left to make a payment my mail and Green Tree told me that they will charge a {$12.00} convenience fee for a one time online 'speed payment '. On their website it tells me that my account in not eligible to set up recurring auto-payments, likely because it is a new account. 
As a result, I will likely be forced to make a 'speed payment ' and having to pay the {$12.00} fee, which could have been avoided if Green Tree would have contacted me at least 15 days before the effective date, as they were required to do.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was fraud on my deceased husband 's card and I was able to cancel his card, however I wanted to see a statement of what had been charged as we have an automatic payment to the account. They said they couldn't provide that statement. 

I tried to get an on-line account on my card, but was unable to. They are having trouble verifying me. The problem I told them was we were victims and the criminals filed a change of address at the post office without us knowing. The bank has that fraudulent address on file. Even thou we have lived at our current address for 11 years and our previous address for 23 years they would not accept that. They want a copy of my drivers license submitted via cell phone. I TRIED 5 TIMES TWO DIFFERENT PHONE CALLS AND THE PICTURE WILL NOT TRANSMIT TO THE BANK. I gave them our previous phone number and also the fraudulent address even tho we never lived there. They still insist on getting a picture of my drivers license. 
I WANT TO RECEIVE MY REWARDS AND CANCEL THE CARD. They said if I cancel the card without the drivers license picture they won't send me a verification because they will NOT send it to my CORRECT ADDRESS. They won't correct my address..
Consumer complaint received 2015-05-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am with Bank of America now I was charged XXXX times for XXXX items that were okBut not XXXX extra times XXXX is legit but XXXX are notI was charged a overdraft fee when I was n't overdrawnThis is not the XXXX time they have tried to do this I catch themEach time now they do n't want to change what they did wrongAnd the posting of items is false
Consumer complaint received 2015-10-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Assistance Corporation dba Revenue Group (OH)

We got a call from the Revenue Group, XXXX, about a debt that is almost paid off and that we have been making regular payments on all along. The amount they stated that was still owed is not the right amount still due and owing. Then they asked why the last amount paid was only {$25.00}. ( It was all we could afford at that time ) We never received a notice of right to dispute this amount and debt.
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (MI)

I would like the CFPB to recognize my right to rescind the mortgage transaction with Caliber Home Loans , Inc. due to their failure to provide full material disclosure as required by Truth in Lending, Regulation Z under the Consumer Credit Protection Act. Under 15 USC 1635, an obligor has the right to rescind a mortgage transaction within three business days of the transaction or until the required disclosures have been provided, whichever comes later. If the creditor fails to provide the required disclosures or notice of the right to rescind, this right of rescission is extended up to years in my case. I exercised my right to rescind within the three-year period due to Caliber Home Loans , Inc. failure to provide full material disclosure at closing. I sent three notices of rescission to Caliber Home Loans , Inc. via certified mail, and they failed to respond or file a judgment disputing my right to rescind within 20 days, as required by 15 USC 1635. This failure to respond within the 20-day period means that the rescission is final, and the security interest created by the transaction is void. I have an open lawsuit currently on Caliber Home Loans, INC. at the United States Federal District Court of Delaware, Case Number : XXXX. They have recently foreclosed on my mortgage during an ongoing case.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

In or about XXXX 2016 I was notified by Select Portfolio Services that I was eligible for a loan modification. I completed the application about XXXX 2016 and began the process of submitting the required documentation. I spoke with the Relationship Manager assigned to my account and many other reps regarding required documentation, took notes and sent the documents exactly as requested. I have been asked to resend the same documents in different formats on XXXX - XXXX occasions since I started the process. Weeks would pass and I would n't hear from them only to find out another document needed to be reformatted and sent in again. The most recent request was to fill out another application which was which is redundant because an application was completed when I initiated the process. This complaint is about the administration of the modification process. I have been in compliance with all requests from SPS and it has been unproductive and not yielded any results to date. My life has been on hold waiting to hear from SPS with a decision and I have not made any financial transactions that might XXXX the process. I am deeply concerned about the deceptive delay tactics that have been used with me by SPS regarding this modification and the reasons why. I expressed my concerns on several occasions with SPS representatives and was told that we are near the end of the process and I just need to submit the requested information and this would be it. It never was " it '' there was always another request.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX  I was a victim of identity theft and someone tried unsuccessfully to apply for a credit card in my name. This was report and fraud alert issued but XXXX XXXX is not removing the hard inquiry affecting my credit. I never applied for a XXXX XXXX XXXX credit card and I should not have my credit score affected because someone stole my identity.
Consumer complaint received 2023-04-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

National credit adjusters has placed 3 accounts on my credit. They sent me paperwork with misspelled name of mine but no proof the debt is mine. This is a check cashing place that I looked up and never used. They refuse to respond timely and can not verify this debt. But refuse to remove it.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Trying to dispute an item on my Experian credit report. XXXX account should display " Paid as Agreed ''. This account is on a debt management plan agreed to by XXXX ( XXXX XXXX agent ) through XXXX. 
Unable to file dispute either online or over the phone with Experian. Online system is perpetually " experiencing technical difficulties '' and no one answers the phone.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Procollect Inc has listed our son 's debt on my husband 's credit report. I called to inform them of their error, and the representative was very brusk and constantly interrupted me. Further, Procollect continues to send notices to our address rather than our son 's. Lastly, our son is mentally impaired and under the care of the Texas XXXX agency. He has no means to pay this debt. I have informed Procollect of this both by phone and in writing but they persist. The rep 's response today was unacceptable behavior so I 've decided to post this complaint. Please help to get this resolved. Thank you.
Consumer complaint received 2017-01-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IL)

PNC charged XXXX-XXXX dollar late fees on a equity line of credit. 
PNC bought National City Bank. PNC accepted the terms and continued collecting payments for years on this acct The payment has always been due on the XXXX of the month as the online webpage states and shows that the payment is due on the XXXX and shows how much to pay also. {$40.00} was charged as a late fee XX/XX/XXXX, before the payment was due by PNC. See the copy of the webpage and my previous payments for payments made by me. PNC charged XXXX dollars again XX/XX/XXXX when the website show conflicting information ( due date on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have been charged XXXX dollars for XX/XX/XXXX If PNC will allow you to login to my account. you will definitely see the conflicting website due dates and amounts. 
Should PNC have to honor my agreement with National City.
Consumer complaint received 2021-04-29
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: Experian Information Solutions Inc. (IL)

On numerous occasions Experian did not do a thorough investigation and refused to and disregard my disputes and demands to take XXXX XXXX XXXX XXXX and XXXX XXXX off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

Can not close a safety box at a branch which is closed due to Covid-19. The Bank does not know when this branch will reopen. Since we are unable to access the safety box under the present situation, we like to close that safety box and receive a prorated refund of the fees we prepaid.
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I was with XXXX back in 07 they never gave me the option to refinance the loans and put my loans in forbearance now I owe as much as a medical student for a XXXX degree from XXXX