davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The reason for my complaint is because bank of america has chosen to close my checking accounts with them which is fine cause in the agreement they are allowed to close the account and i understand that part of the contract. They have garnished monies from my checking account which led the account to be overdrawn due to the automatic payments that have been set up. I need all NSF fees to be credited to the account and I also received a letter from them that they might report the account to XXXX XXXX or XXXX XXXX. I have done nothing fraudulent or mishandled my accounts in any way in the 3 years that I have banked with them. I need to make sure my accounts are closed in good standing and that no negative information to be reported to XXXX XXXX XXXX and XXXX XXXX and also let me know what the final amounts owed in the account cause i have no access to the account online and have no idea what they have done with the accounts.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I believe that my qualifying payment counts for XXXX XXXX XXXX XXXX are incorrect. I filed a Reconsideration request on XX/XX/scrub>XXXX  ). This request included several different months that I believe the payment counts are incorrect. I did not have any response so I called XXXX XXXX XXXX ( XXXX ) and MOHELA in XX/XX/year> to get a status update. Neither could give me any information and neither could find the case in their respective systems. XXXX told me to call MOHELA, and MOHELA told me to call XXXX. 

I submitted new Reconsideration requests on XX/XX/year>. I submitted separate requests at this point for each individual incorrect month. I waited several days and phoned XXXX to be sure they had received the new Reconsideration requests. Again, I was told to call MOHELA and XXXX could not see where I had submitted the requests. I called MOHELA and was told to call my school where the loans were originated. I am not in school and have not been in school for several years. 

I then filed a complaint with FSA on XX/XX/scrub>XXXX The complaint case shows pending on my XXXX dashboard online and as of today I have received no response. I have less than 12 months left until I reach XXXX forgiveness. I have asked for Reconsideration of 12 months of what should be qualifying payments. 

It has been almost 4 months since I submitted the original request. I expected to at least receive some communication at this point.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am enrolled in the SAVE program since XX/XX/2023. I have the letter proof from Federal Student Aid that I applied and was approved. Since XX/XX/2023 when loans went back into repayment. my amount was {$0.00}. Suddenly this XX/XX/2023 I'm auto charged for {$2200.00} without any information sent as to why it was increased or any information on my plan being changed. They changed my plan to Level Repayment plan without my consent as well or notification. I am still listed on the FSA as a SAVE repayment plan.
Consumer complaint received 2015-06-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (GA)

case : XXXX I have contacted the legal resources listed under your legal assistance program. However I have not heard back. As I recall I did not select a law representative at that time, which may explain no response. I have the documentation sent from J.P. Morgan Chase, who did the consolidation of the loan. I am still seeking direction/assistance to resolve or reconsolidate these loans if necessary. I am taking over the full monthly payments from my son XXXX. However, it does seem truly unfair and unwise to do so. 
I will be making a payment of XXXX dollars combined for XXXX separate student loan servers, XXXX and XXXX. I do not dispute the paperwork from CHASE, But the consolidation went crazy and {$30000.00} dollars went into the wrong account. All assistance given at this time will be appreciated and is sorely needed.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

My student loan servicer ( MOHELA ) refuses to remove interest that was incorrectly added to my account and continues sending me inaccurate ( totally random ) billing statements. MOHELA placed me in a " processing forbearance '' while attempting to correct the errors they made on my student loan account ( inaccurate billing statements/ extremely delayed processing of XXXX PSLF application ). During this time, my loans should have been in administrative forbearance. When I called MOHELA about this and the inaccurate interest rate that accumulated on my account, the representative 's response was highly troubling. The following quotes are from the MOHELA rep : " I do not have any information about 'administrative forbearance, ' '' " interest accrues during all forms of forbearance, even administrative forbearance '' ( directed by the DOE ), had " no knowledge '' of the administrative forbearance the DOE instructed MOHELA to place borrowers in who have experienced servicer errors, and " you have to call to request 'processing forbearance ' to be removed. '' MOHELA claims to have no idea about the DOE 's directive to remedy student borrower accounts that were incorrectly billed/ incorrectly had interest added to their principal balance.

Moreover, I never requested a " processing forbearance. '' The processing forbearance is the result of MOHELA 's inability to handle its workload. Why would I have to call to ask to have it removed? They did not even communicate with me to let me know I was in " processing forbearance. '' The representative was useless. She refused to connect me to a supervisor, would not document our conversation, nor provide me with any documentation about the policies she allegedly referenced. The rep said all she could do was " escalate my claim. '' This is entirely unacceptable.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

experian has failed to properly handle a few disputes with my credit card. 

experian has failed to cancel membership so I can log in and view my credit score.

It gives two options when logging in, pay for their membership trial or log out I then emailed their support team twice and still no reply
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (NJ)

On XXXX XXXX I had a cashier 's check mailed to me and I went to my PNC Bank to cash the check. They cashed it. The check amount was {$1300.00} to go towards a XXXX XXXX XXXX I was selling. {$300.00} of that was for my XXXX XXXX XXXX and the rest was to be transfer from XXXX to XXXX. The man that sent the check was named XXXX XXXX. The transfer was to go to an XXXX XXXX, XXXX TX XXXX. On XXXX XXXX XXXX XXXX XXXX sent another Check in the amount of {$1600.00}, he stated the check was not enough for the movers to come get the bed. Now this check was shipped XXXX witha different name ( XXXX XXXX ) So I went to my XXXX XXXX to cash that one and the same teller that deposited the last check was doing what she needed on the computer and then she said hold on for a moment please. She went and whispered to another teller and then came back and said I can not cash for you, she stated I could go to XXXX XXXX XXXX where the check is issued from. This bank teller never told me my account was empty? in the red! So while I 'm almost out the door one of the rep 's stop me and I told her what 's going on and then left. Well she checked my account and called me. My account was wiped clean. She stated the check never should have gone through because it was a cashier 's check and they have to be signed, not stamped like this was. So, I went to the police, filed a complaint with the XXXX Nj Police. I then proceeded to call a supervisor of PNC, gave her all the info. Her name is XXXX XXXX XXXX. She got back to me and said the bank can not help me. I have no Christmas with my Family now. I am unable to do my food shopping for the month. I live on XXXX. The bank wants me to pay all the money in the red {$1100.00}. How can I? We are supposed to be able to trust our Financial Institute to keep our money safe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

I have already sent XXXX letters to the company in question. They have yet to comply with either XXXX. They keep calling and bothering me about some account that I know is not mine because I have never heard of this place.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have tried on numerous occasions to contact XXXX XXXX XXXX, XXXX, XXXX & Equifax to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
Consumer complaint received 2022-04-01
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. (IL)

I have disputed with Equifax and XXXX about the alleged Bankruptcy on my credit file. I asked for verification and the reply was The circuit courts, and from XXXX XXXX. I have reached out to the circuit courts and obtained documentation stating that the courts do not share information to any credit bureau or third parties. XXXX XXXX investigated the information as well and deleted the alleged bankruptcy. Pursuant to section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) XXXX and Equifax is in violation of my rights.
Consumer complaint received 2021-07-13
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. (CA)

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. Once the FTC Report and documents to verify my identity were sent, Equifax, XXXX, and XXXX  Failed to delete the items that were disputed as debts which resulted from identity theft. Which is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2018-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

Complaint Against : XXXX XXXX XXXX XXXX.

XX/XX/XXXX Topic of Complaint : Cornerstone put me on a " Hurricane Harvey 3 month forbearance period '' on XX/XX/XXXX( that I did not need ).

What happened : I attempted to make a payment on XX/XX/XXXX ( {$370.00} are my regular monthly payments ), the next payment due date, and I was locked out of my account portion of " make a payment ''. On the phone a few times to resolve this, nothing resolved < I was told on the phone because I was on the Harvey plan, that I and all others are locked out. So I kept making requests to get me out of it - nothing ( as evidence of still being locked out of the payment portion of the site ).

The 2 months owed now, its XX/XX/XXXX, I was still locked out from making a payment online and decided to make a payment " with a representative ''. I did this on XX/XX/XXXX for the amount of {$730.00} ( 2 months for my mortgage now owed ) over the phone with the confirmation number of XXXX  and nothing showed withdrawn from my bank! And still I was locked out from making web payments.

Concurrently I have received FIVE " attempt to collect '' letters from their " Loan Workout Department '' while being on the Harvey forbearance program.

Lastly, I attempted to now pay THREE mortgage payments on XX/XX/XXXX for the amount of {$1000.00} ( confirmation number : XXXX  ) and seen I was finally allowed to make web payments and the payment shows paid on Cornerstone - BUT has not been taken out and today is the XX/XX/XXXX ( like theXX/XX/XXXX situation ).

I called today, XX/XX/XXXX( yet again, but now spoke to one of the managers ). I was not irate, but sternly concerned for their lack of coordination and vision of how to help those affected from Hurricane Harvey.

Problem # 1 : This is not a forbearance plan, a forbearance is when the months owed that are on " pause '' are applied to " the end of the life '' of the loan. Here they are expecting full 3 month payments as a BALLOON payment due immediately! Just 300 yards from where I live, 100s of homes where totally lost - I was lucky, and those mortgages are easily $ 2,000+. Imagine having to pay 6,000+ on the 3rd month when the plan is done on XX/XX/XXXX! ( While receiving debt collection letters along the way ... ) Problem # 2 : Lack of strategic planning 1 : Why would you lock out the customer from making payment if they want to make payments?! I had plenty of REAL forbearance periods in my student loan lives - and I ALWAYS had the chance to pay when I could within the period on my WEB PAGE options and was never locked out from the option.

Lack of strategic planning 2 : Debt collections?? Then I am told to just " ignore '' the letters ... I'm sure the debt collecting team will forget to sort out who is who from the letters of Harvey and non-Harvey stacks and send all for default on XX/XX/XXXX( as my 5th letter stated ).

Help please, RM
Consumer complaint received 2020-04-26
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. (FL)

Date Reported : XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2020-04-08
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. (PA)

To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ARVEST BANK GROUP, INC. (PA)

I recently received " Balance Eraser Loan Program '' ID card in the mail. from Arvest Bank. I DO NOT want any prescreened offers sent to me. When I tried to go to the XXXX, they requested my social security number to proceed. Due to recent date breaches, I will not give out my number but do not wish anyone to assume I want unsolicited offers. The information sheet that was sent to me involved XXXX, XXXX, XXXX, and XXXX Consumer assistance. I do not want any offers of credit from anyone. If I want credit information, I will request it. 
XXXX
Consumer complaint received 2018-01-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Creditor's Collection Service, Inc. (VA)

Creditors Collection Service has been repeatedly calling and leaving recorded messages concerning multiple medical collection accounts I have with their office. They are in violation of the act by leaving the message on a shared answering machine. As a result, the message was heard by our housekeeper, babysitter and children. This is in violation of the FDCPA. Should I decide to pursue charges, they can be fined up to 1,000 per call that we have saved. 

As a result, I want CCS to stop calling and for those debts to be paid by their agency and the accounts marked as paid. If not I will pursue legal action to make sure they are fined for the 20+ messages I have saved.
Consumer complaint received 2024-02-02
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CrossCountry Mortgage LLC (TN)

XXXX XXXX, assigned CrossCountry Mortgage Specialist spoke with me briefly prior to receiving my VA Loan Application XX/XX/scrub>XX/XX/2024 and pull a Soft Pull, Credit Scores seemed suspicious in it's intent, XXXX XXXX Credit Reporting Agency, as well as XXXX XXXX and XXXX XXXX, I've never seen such criminality, I applied for several Mortgage Loan and multiple Line of Credit Mortgage Loans, I never seen such criminality in all of life. I brought this to the attention of the Mortgage Specialist, XXXX XXXX, employee became combative and aggressive when I stated I just had a Tri-merge ran and my XXXX report was XXXX, that's a XXXX Point drop, or a XXXX Point Algorithum threat in a Discriminatory manner. Today I've Not received an update of this threat with the handling of my Tri-merge credit scores. These Scores dictate the interest rate of my VA Home Loan and the Discount Points of my VA Loan. This could mean several thousands of dollars of Repayment of my VA Home Loan as a XXXX Veteran. There are several updates that I gave both Factual Data and CrossCountry Mortgage, attn : XXXX XXXX Mortgage Specialist, but to-date no Response. I left multiple messages with XXXX XXXX Mortgage Specialist with No Respond. I've instructed XXXX XXXX that would have to escalate this matter with the proper authority, HUD and the Department of Veterans Affairs to get Resolve if this threat of Refusal to process my VA HOME LOAN properly.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was targeted by Capital One for their Savor credit card. I applied for it, since it includes a {$200.00} welcome bonus for costumers with excellent credit score. Since I have an excellent credit score, I thought it is a nice benefit of the card. However, I didn't find any instruction when I received the credit card within the activation instructions. So I have reach out to Capital One via phone and later via email. I am happy to attach the email communication and the advertised benefits to this complaint. My problem is that the welcome bonus for some reason is not available to me, and I think this is a false advertisement. I thought a large credit company such as Capital One would stand by their words/advertisement. But no resolution offered from them, therefore I am filing this complaint.