davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (FL)

I went to XXXX College in XXXX AZ for a trial time. I did not complete my classes there and was told that I they were a new school for XXXX  and XXXX  and they were introducing a non traditional platform for people that did not want to go to a big college.I decided not to go to this school because they were getting sued and we also found out that credits could not be transferred because they had the incorrect staff teaching classes. I opted out of continuing to go to this school. I did sign paperwork acknowledging I was a trial student ( is what they told me and hundreds of other students ) All of a sudden I am getting garnished years later. I called the collection place ECMC to dispute this and they did nothing for me. I am not able to find any documents because i have moved and around a lot since my attendance with XXXX college. So many other students are fighting this debt too. ECMC was not able to show me what i signed but they are saying I owe XXXX. I have attached some news on the school as well XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I made 2 complaint to consumer financial protection bureau already round point mortgage altered the terms of my loan by escrowing the taxes and insurance and returned my payment no taking my money I want them to remove the escrow account and reimbursed my my escrow money I made complaint on XXXX XXXX XXXX please help me they altered my payment to XXXX and when I sign contract for 30 years I supposed to pay XXXX
Consumer complaint received 2017-07-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Reference CFPB Case XXXX Hi team, I appreciate the support here. However, CapitalOne did not resolve this issue, and the answer has incorrect information about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, 2017, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, 2017 ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total amount stated in their formal answer is not the CORRECT amount. The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I have bills to pay, and I 'm not PAYING it because this mess caused by them. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX
Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CO)

I have a mortgage through Wells Fargo. In 2012 they threw me into a mortgage modification. For a full year they threatened by mail and phone to foreclose on my home even though I made every payment on time. I had to call them every month on the day of my payment and give them my bank information. When is it was finally over I find out that they reported to the credit bureau that I had not made a payment in 9 months which really messed up my credit score. I have repeatedly reported that, that is not correct and have sent them information to prove that the reporting is wrong. This year I decide to do a refi on my house and find out that what was reduced in my mortgage through this modification has been but on my house as a lien. I also received an notice in XXXX that they were going to start foreclose process on my home for non payment, then received a email from them that said " oop were sorry we sent you that message. '' Again my harassment. So I went through a full year of threats and hell for nothing. Why is this being done to people? You hear about this big program to help home owner and it does is ruin you credit and create major problems.
Consumer complaint received 2022-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-09-07
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXBalance XXXX {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Someone opened Bank of America savings account in my name without my consent. I called Bank of America immediately and they were able to close this fraudulent account. Account was not funded therefore there was no loss and my claim was closed. I went ahead and initiated fraud alert with credit reporting bureaus. Person that was able to open account in my name had access to my following personal information : previous mailing address, current email address, most likely social security number, my birthday which they entered incorrectly by one day ( might have been intentional ) .This account was opened on XX/XX/2023. Thank you.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Recently Navy Federal has been found guilty of illegally freezing members accounts and only allowing certain access when past payments on accounts are due. Navy federal illegally doing this caused late fees assessed through my rental company. When they froze my accounts the rental company was unable to draw money from them. How can I go about getting these fees credited back due to the actions of Navy Federal?
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (TX)

I lost my job few months ago. A representative from Kays Jewelers called and offered me a hardship plan IF I paid a specific amount by a certain date. I explained I did not have the amount and was told they would send me information in the mail to help until I started working. Instead, they call me EVERYDAY, ALL DAY from different phone numbers. They have even called my old place of employment and a relative. It 's always someone on the other end eith zero sympathy and recently threatened to take legal action ( I have several conversations recorded ). I told the representative that called me multiple times a day ( upwards of 10 ) was harassment. They do not care! It 's not only embarrassing, but it is a situation that has caused my anxiety and stress levels to skyrocket because I do n't know what tactics they are going to use next.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I sent XXXX XXXX {$40.00} ( with a {$2.00} fee ) as well as XXXX XXXX {$40.00} ( with a {$2.00} fee ) through PayPal on XX/XX/XXXX as payment for concert tickets. The correct tickets were not sent and the recipient refuses to refund me. The status for both payments is " Money Sent '', but there's no way to cancel this payment. Please help!
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (ME)

Key Bank recently took over First Niagra. On XX/XX/XXXX, I contacted Key Bank as I had n't received anything from them since the changeover. I had made a payment on XX/XX/2016 and one on XX/XX/2016. This should have taken care of XXXX and XXXX payments. I was told by the man I spoke with " XXXX '' that he could see where I had made the XXXX payments but the XXXX on XX/XX/2016 was not credited correctly to my account. He told me that it was due to the change over and he was submitting it to the correct department to have it applied correctly and it would be fixed in 2-3 days. He assured me that it was due to the changeover and my account was fine and I did n't need to worry. On XX/XX/2016, I received a statement showing I am a payment late and I owe them {$740.00} this month. I immediately called KeyBank and spoke with XXXX. I got the same answer from him that the payment had n't been credited correctly and he was submitting it to be fixed and it would be taken care of in 2-3 days. I told him that is what the last guy told me and it still is n't fixed. He said he would follow up on it and call me the following day at XXXX. I have him my cell phone number as I would be at work. At XXXX the next day, I still had n't heard from him so I called the customer service number again. He stated he had n't heard from that department yet and would call me later in the day. When I got home from work I still had n't heard from him, but there was a missed call from collections on my home phone. I called the customer service number again and was told that they were working on it. I asked for a supervisor. I could n't quite understand her name. It was either XXXX or XXXX. She gave me a reference number of XXXX to use if I needed to call back. She also gave me a documentation number of XXXX and said this was the verification that I had made the payments. She assured me that it was being worked on. Today, XX/XX/2016, I received another collection call. I immediately called KeyBank. I again got the same story. I said this need to be fixed today and asked to be transferred to the department that was working on it. I was told that they do not have the ability to transfer to " the back office ''. I asked for a supervisor and was told there was n't one available. I said I would hold until one was available, and was told that a supervisor would not be able to give me any further information than what I already have. She refused to give me a supervisor and did not give me her name.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Loan # XXXXInvestor - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started XXXX/XXXX/2015. XXXX/XXXX/2015 the buyer was countered to $ XXXX. XXXX/XXXX/2015 we faxed an offer matching their counter offer. XXXX/XXXX/2015 We were told that the negotiator made a decision to decline the file last week. 

1. We spoke to Wells Fargo last week and no one bothered to tell us that the short sale was cancelled. 
2. Wells Fargo could not give a reason as to why the file was cancelled. 
3. The purchase price and fees on the HUD match the fees the negotiator told us would be approved. 

Why is Wells Fargo countering buyers, then cancelling when they get an offer that meets their countered price? 

It is obvious the negotiator is lazy or cancels files purpose to cover the fact she is too lazy to do her job.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

My ex wife and I owned a home together before our divorce. We were told to sell the home through our divorce and we tried to do just that with Bayview to no prevail. I decided then before allowing a foreclosure to move back into the family home. I moved in and was given a modification but was NOT told that I had forced placed insurance on my home. Bayview Loan paid a local company to install a sump pump in this home which ultimately failed causing my and my family {$10000.00} in damages we were unaware were covered by this so called forced placed insurance. If I were notified in advance about this insurance by my company I would have never moved my family into this home. My loan specialist even admitted in email to having the sump pump installed in this home. Now, they are not fixing the mold issue and or replacement of the damaged areas in the home causing my family to be subjected to mold all over again which is a health risk for me and my newborn child. I have a total of XXXX children in this home and they are refusing to repair the home and cover the belongings in this home we moved into this home.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My paycheck in the amount of {$3800.00} was dispersed to my Bank of America checking account on XX/XX/2021. I was on vacation in XXXX XXXX from XXXX XXXX XX/XX/XXXX. My first attempt to withdraw {$300.00} in XX/XX/XXXX was denied and my card was locked. I called BOA and notified them that I authorized the transaction and that I would be in XXXX until XX/XX/XXXX. After that, I was able to successfully withdraw {$600.00}. When I went back to withdraw more cash ( amounting to {$2300.00} XXXX, all attempts were Denied and a message to contact my bank was displayed. When I checked my bank activity, all the attempts were withdrawn from my account even though they were denied by the ATM. 
By this time it was midnight and technically XX/XX/XXXX and all Bank of America customer service branches were closed so I couldnt get the help I needed. If my partner wasnt there, I would have been stranded in XXXX without any money because Bank of America took the {$2300.00} out of my account plus charged me $ 150+ in overdraft and ATM fees for transactions that were not successful. 
I filed a claim with them which they denied ( even though the ATM transactions showed as denied on their end as well with the money still being taken out wrongfully XXXX, alleging that this didnt occur because a pin wasnt used in the withdrawal attempts which is completely inaccurate. I cant request a uwithdrawal amount without first entering my pin so their review was poorly executed and quite frankly fraudulent. They refuse to refund the {$2300.00} so I will take whatever action necessary to have it resolved that way I can close my account.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (NC)

I have a complaint against XXXX XXXX and their collections agency they use. I have used XXXX XXXX  only once, to pursue a online certificate. I paid in FULL. I now have 3 different collections on all 3 of my credit reports with 3 different amounts and 3 different dates. I have disputed non stop since XX/XX/XXXX asking for proof and original documentation of these " collections ''. Nothing works. They keep it on my credit reports which is damaging my credit horribly. First account with XXXX XXXX was in XX/XX/XXXX. That is all. No other accounts. I never received any letters or phone calls stating there was a  problem. Please help me fix this and get all 3 of these off my credit. Thank you.
Consumer complaint received 2016-07-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CHARLES SCHWAB CORPORATION, THE (AZ)

XXXX chose to charge my checking account indiscriminately. I selected the pay with XXXX option at XXXX and when sent through to XXXX I was given the choice by XXXX to pay with my regular checking account linked XXXX account or my XXXX credit account, I chose XXXX XXXX. I purchased XXXX TV episodes and XXXX movie and when the merchant presented payment requests to XXXX, XXXX charged my regular XXXX linked checking account for XXXX of the transactions and my XXXX credit account XXXX of the XXXX transactions. It turns out the merchant does not accept XXXX credit but if the merchant ( XXXX ) does n't accept XXXX credit then XXXX website should indicate that XXXX credit is not an option when the customer is sent through to XXXX site. The unauthorized requests on my checking account by XXXX has cost me XXXX {$25.00} returned item fees because as i knew when i chose XXXX credit as my funding option, my checking account had a XXXX balance.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-03-30
Product: Bank account or service — Cashing a check without an account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo lies and continues to assert that I 'm not listed in XXXX. I reviewed again my report I have offered evidence as such and identity theft and yet they still do nothing. They do n't value my XXXX year relationship nor the 40k I 've deposited since XXXX. I 'm switching banks Asap if this is n't rectified. Contact XXXX you own them they will not do anything when I contsxf them saying you told them to keep it on file. Bait and switch, lying to the government and me too. Normal Wells Fargo XXXX.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XXXX XXXX, 2017 I charged {$510.00} onto my account.I made my first payment in the amount of {$150.00}, on XXXX XXXX, 2017. After being handed a late fee my remaining balance was {$540.00}, i was then charged a finance charge in the amount of {$12.00} and then credited {$12.00}, which left me with a remaining balance of {$390.00}. On XXXX XXXX2017 I made a payment in the amount of {$390.00}. I was assured by the customer service representative that my balance was completely paid off. To be clear, all payments were made over the phone with a live customer service representative. On XXXX XXXX, 2017 I came to the realization that I was being charged {$84.00} in late fees, an amount I i paid immediately to avoid any further fees, but by this point it was too late and I was red flagged on my credit report which spiked my credit score to an abysmal XXXX. Although i am not disputing the fees, I do feel cheated, since i was given false information by the company when I was told that my account was paid off. When i contacted the company after learning of the dramatic change in my credit score, the only help they offered was a {$30.00} credit on my account, which i refused since i have a balance of {$0.00} anyways and those {$30.00} would not improve my credit score. i am not looking for any financial compensation i am simply seeking for help restoring my credit score since their false information lead to its dramatic fall.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.
Consumer complaint received 2022-09-07
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. (FL)

I contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. Transunion, XXXX, and XXXX have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.