davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MD)

TCF Bank has been taking my additional payments on my mortgage and applying them as " future payments '' and holding them under the escrow account instead of paying down the principal of my mortgage. As of my statement dated XX/XX/XXXX I have {$17000.00} in my escrow account. This ammount is far and above what is necessary to pay for taxes and insurance. I have tried to get this resolved multiple times through the company. Here are the request numbers : # XXXX, # XXXX, # XXXX. After 3 attempts to correct this issue I get a letter from the tax and escrow department at TCF Bank stating they think they received funds in error and enclosed a check for {$6600.00}. There was no explanation or calculations provided as to how they arrived at this number. Also they have deducted this ammount from my escrow account on my XX/XX/XXXX statement from my escrow account. I have not cashed this check. 
I would like a full escrow analysis completed on my account. I would like all additional payments for the life of the loan to be applied to the pricipal of my loan and to have any interest charges I have paid as a result of this error to be reimbursed and put towards the principal of my loan.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one sent me a mail that they closed my account due to inactivity. I have not received any notice that they are closing my account. I have a small credit limit of {$3000.00}. My credit score now has gone from XXXX to XXXX. I called them today XX/XX/2020 to fix the issue but they would not do anything for me. Closing an account without warning at the time of pandemic and social unrest, where people are losing their jobs is not humanitarian. While lot of companies are waiving their fees and extending their payment due times to accommodate for the hardship that has hit our country and the world, Capital one decides to close accounts due to inactivity without giving people a chance to prevent the closure- this significantly impacted my credit score. I was thinking of applying for refinancing of my home now what am I going to do?
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX, I notified Transunion in regards to certain error on my credit report, i.e. bankruptcy discharge updates. Specifically, there are several accounts were included in the bankruptcy, thus the account status should be closed and XXXX balance. The student loan accounts were not included in the bankruptcy, thus it should be open with accurate balance. Transunion made the corrections. However, In late XXXX, the same error occurred again, thus I had to redispute it. Their rep informed me that I must wait until XX/XX/XXXX for the new update. I waited until the XXXX, the same error was still there, and I'm about to lease a new auto. Because of the repeated error, I had to delay my lease and possibly miss the discount offer.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

On XX/XX/2022 I was having all kinds of trouble signing in to my XXXX Coinbase accounts and was contacted by a Coinbase customer service rep who offered to assist me with getting both of my accounts unlocked. They were very knowledgeable and helpful. Everything they were saying made perfect sense as I have had issues getting into my XXXX accounts. They sent themselves XXXX transactions out of my XXXX accounts and stole XXXX XXXX and XXXX XXXX. On that date the assets were valued at {$260000.00}. 

Shortly after my phone call with the Coinbase customer service rep I felt uneasy and immediately made several efforts to contact Coinbase customer service to cancel the transactions. Unfortunately for me, the Coinbase customer service portal was down and they were completely unresponsive. I hold Coinbase responsible for these stolen assets because there were not safeguards in place to alert me that I was transferring money out of my account and the Coinbase customer service portal was not working at the time of the incident. 

I have reported this theft to the FBI, XXXX XXXX XXXX Police Department, the FTC and now the CFPB. 

Coinbase has not been responsive to my situation and keeps sending me out form responses that never address the particulars of my case.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (KY)

I have federal student loans as a result of attending professional school. I've attempted to enroll in the SAVE program to repay my student loan, which calculates 10 % of your discretionary income as a cap for payments. 

My wife is also a federal student loan borrower and enrolled in the SAVE program. Because we file taxes jointly, our payments should both total 10 % of our income. My federal servicer, Aidvantage, shows that my payments should be {$710.00} per month once my wife 's student loans are considered. Each time I speak with somebody, they promise they will get it fixed but the system ultimately returns a monthly payment amount of {$1100.00} because they are not factoring in my wife 's student loans. I've spent countless hours on the phone and several thousands of dollars in interest have accrued.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I have been using CareCredit for nearly XXXX decades and it has always been the same : I have 1 year to pay off the balance ; they divide the monthly payments so, as long as I pay the minimum payment amount, then it will be paid off in full within 1 year and I have no interest charges. This has been the case multiple times over the past XXXX years. 

I charged {$1700.00} to my Care Credit card in XX/XX/XXXX. I immediately agreed to set up automatic payments each month expecting the balance to be paid off by XX/XX/XXXX. But Care Credit changed this to a XXXX term without adjusting my minimum balance accordingly. So they have been charging me a total of {$380.00} in interest since XX/XX/XXXX. My current balance is {$1500.00} even though I have been making monthly payments for nearly 1 year ( totalling {$520.00} )! My acocunt balance should be {$1100.00}. 

This is total deception! How can they expect anyone to pay this off? My {$520.00} payments only took {$140.00} off my balance! That is a 72 % interest rate!!!! 

I need the {$380.00} in interest reversed and then I will pay the balance that is remaining in full today ( {$1100.00} ).
Consumer complaint received 2018-06-11
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)

For the last 4 months I have been asking XXXX  and Transunion to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with XXXX  on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XX/XX/2018, I contacted Transunion and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, XXXX XXXX.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSWORLD SYSTEMS INC (CO)

I have been getting IRS federal refund withholding notices in XXXX, XXXX, XXXX and XXXX for a debt that is linked to an XXXX XXXX XXXX. Initially I let them take the small amounts from my refunds because I assumed this was a legitimate debt from a time when I was XXXX and less responsible. Unfortunately, the last XXXX years this has taken place have been SUBSTANTIAL amounts of money. I have called Transworld Systems , Inc. ( the company responsible for the debt ) and they explained that even though I did close out ALL debt associated with this card in XXXX, I have a " NEW '' one now that has since gone to collections. I have not opened another card. The card is also under my previously married name. I have been married for XXXX  years. I have also NEVER seen this account that is now in collections pop up on my credit report, which all my other credit cards I can see. Something is not right. Someone is fraudulently using my information and when I try to verify my ACTUAL information, I can not because none of it matches what they have on file for me. I am in the midst of trying to file charges, get this removed as an agency that can withhold my tax refund and I figure out how to claim XXXX and XXXX XXXX I am happy to answer questions and provide any information to help this case move forward, but this ability to continuously open credit cards in my name without my consent or knowledge is criminal.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Last year before XX/XX/2017 I was making payments of XXXX per month to A CD STUDENT LOAN. Due to a medical hardship I have been on an income based plan for one year of XXXX $ payment meaning my principle would have accumulated around XXXX plus interest in one year. Last week around XX/XX/XXXX I got my first letter from Navient that they now had my loan with no previous warning saying my payment was due on XX/XX/XXXX for XXXX. How is that possible? That is an increase of XXXX more per month or XXXX more in the same 10 year period I was paying on before. I called them and ask them to explain that and all they did was give me the runaround. I need answers and I am scared. I was been on a forbearance before for a year and my monthly payment only went up around XXXX. Please help me.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XX/XX/XXXX ( TUESDAY ) To : CFPB From : XXXX XXXX XXXX : Bank of America Acct. # : XXXX XXXX Denied 1, Refer to XXXX XX/XX/XXXX ( Tuesday ) CFPB Complaint. 
2. XX/XX/XXXX Bank of America retaliated and closed my checking and savings accounts. CFPB closed the complaint # XXXX regarding this issue without it being resolved by Bank of America. I was not informed by the bank of the closing of accounts. 
3. Bank of America Online : Access Denied : XX/XX/XXXX- Present. 
4. Bank of America reinstates account XXXX XXXXXXXX, but, denies me access. Example : XXXX XXXX opening accounts without informing the clients. See attached : Bank of America access denied. 
5. Bank of America : sends out a Bank of America Statement dtd. XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. Note : XXXX XX/XX/XXXX to XXXX XX/XX/XXXX is a month + 1 day. 
6. Bank of America : Deposits and other additions : {$28.00}. XXXX XXXX is not aware of the account ( XXXX ) being reinstated, nor deposits made by Bank of America. 
7. Bank of America : XX/XX/XXXX Withdraws the {$28.00}, FORCE CLOSED ACCOUNT. 
8. Bank of America Email : Your Balance Connect for overdraft protection preferences have been updated. See attached. How can Bank of America have an overdraft protection with my name attached to the account, when informed in XXXX my accounts were closed ( see previous complaints. ) This is fraud. See attached XXXX XXXX. 
9. The fake reinstated did replace the POD. 
9. Bank of America : Has denied my request for bank records for the years : XXXX and XXXX. 
End.
Consumer complaint received 2018-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX, I received a notice from Portfolio Recovery Associates that " unless payment or satisfactory arrangements for payment are made with our office no later than XX/XX/XXXX, we intend to file suit in the proper venue and court within California ''. 
On XX/XX/XXXX, I contacted Portfolio Recovery Associates and spoke to both XXXX XXXX and also XXXX XXXX ( operations manager ). I established a monthly Repayment Agreement of {$75.00} per month, due on the XXXX of each month, starting on XX/XX/XXXX. 
On XX/XX/XXXX, I made my first payment of {$75.00}.

On XX/XX/XXXX, at XXXX, a man knocked on my door and served me summons papers that I was being sued by Portfolio Recovery Associates .

This was after I had already established a Repayment Agreement with the company. I immediately contacted the company to ask why this had happened. I spoke to both XXXX XXXX and XXXX XXXX. I was told the lawsuit has already been in process when I set-up the payment arrangements even though their letter said to contact them by XX/XX/XXXX.I confirmed that the attorneys who filed the suit worked for them. I fail to understand why, after I set-up a payment arrangement, the suit was not dropped, even though 3 weeks had passed from the time I set-up the arrangements and the suit was filed.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have contacted Fifth Third Bank about an account that appears on my credit report thats not mine and has me as an authorized user. I never applied for this account and instructed them to take me out of their system and remove it from my credit report. Fifth Third Bank responded back stating that the account is verified and is accurate and it belongs to me individually and will not remove it. I requested a debt validation,1099 -C and a copy of the application submitted to obtain the credit card but never received anything.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

MY CREDIT REPORT SHOWS A HARD INQUIRY FROM CAPITAL ONE CARD SERVICES. I REAHED OUT TO THEM BECAUSE I HAVE NOT HAD A CREDIT LINE FROM THEM IN YEARS. I CLOSED MY LAST CREDIT LINE YEARS AGO AND IT WAS LEFT IN GOOD STANDING. I CALLED CAPITAL ONE AND ADVISED THAT I DID NOT REQUEST A NEW LINE OF CREDIT FROM THEM. THEY ADVISED THAT IT MAY BE ANOTHER PERSON BUT THEY ARE UNABLE TO REMOVE THE NEGATIVE HARD INQUIRY. THEN I RECEIVED A DENIAL NOTICE IN MY EMAIL BUT I NEVER REQUEST THE LINE OF CREDIT TO BEGIN WITH. I JUST WANT THE HARD INQUIRY TO BE REMOVED FROM MY CREDIT REPORT. IT WILL EFFECT MY CREDIT REPORT NEGATIVELY.
Consumer complaint received 2022-03-29
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. (GA)

I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.
Consumer complaint received 2018-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I was notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX that I owed money to XXXX XXXX XXXX ( no address known ). They started to garnishment out of my check in XX/XX/XXXX until XX/XX/XXXX. I have sent them numerous letters and proof I was XXXX in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and this debt could not be mine. they finally agreed but will nut refund almost {$1600.00} and still will not respond.
Consumer complaint received 2018-06-11
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: Experian Information Solutions Inc. (TX)

For the last 4 months I have been asking Experian and XXXX to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with Experian on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XXXX XXXX, I contacted XXXX and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, XXXX XXXX.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants Acceptance Corp (CA)

Dear XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item " MERCHANTS ACCEPTANCE CORP '' ( XXXX XXXX dispute ) is inaccurate because the contract became void. The Presidential package that was purchased from the company was never fully delivered, they delivered the vacuum but not the rest of the purchased items. It has been over 3 months since the purchase, I have tried contacting the company to return the vacuum that they delivered because I never received everything that was supposed to come with it, I was met with no response. I tried canceling it with MERCHANTS ACCEPTANCE CORP but they will not stop charging payments, now they are reporting missed payments because of this issue. I am requesting that the item be removed to correct the information. I can provide phone records showing me reaching out to the company as well as me trying to cancel payments. I have filed with the XXXX and my credit card company for disputing the charges. I have also contacted my attorney to make sure that what I was doing was correct. He had advised me that by law the contract becomes void if they ca n't provide the product. The company listed above will not return my phone calls after leaving multiple messages in regards to this product. 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. On Monday, XX/XX/2019, I received a check from XXXX  XXXX XXXX in the amount of XXXX dollars, representing a refund check for student financial aid due unto me. The check was drawn on XXXX XXXX. 

2. I deposited the check to my personal checking account at Bank of America, using the mobile app. 

3. The app stated that there would be a standard hold, and that the funds would be available the following morning.

4. Looking later online, there was contradictory information stating that the hold would be until Wednesday, XXXX XXXX, at XXXX XXXX. - yesterday. 

5. The funds were made available at around XXXX XXXX. 

6. I paid several bills at that time, and scheduled several additional bill payments to post to the account. 

7. At around XXXX XXXX. yesterday, I became aware that the funds had been debited off of my account, leaving my account with a negative balance of apx. seven hundred dollars. 

8. I called BOA. The agent, and a supervisor ( XXXX - ID # XXXX ), stated the funds were being returned, but that the reason why would not be available until the following morning, and that I could call at XXXX XXXX 

9. I called at XXXX XXXX. but the line for agents was not open. 

10. At XXXX XXXX., I spoke with XXXX ( ID XXXX ) and a supervisor ( XXXX ) who stated that a " stop payment '' had been placed on the check by XXXX XXXX on behalf of XXXX  XXXX XXXX. 

11. I then called a XXXX XXXX  branch, XXXX XXXX, Vermont, branch, and spoke with XXXX. XXXX stated that there was no stop payment for that check or for that amount. 

12. It is troubling that BOA says there was a stop payment, but XXXX XXXX says there wasn't a stop payment. 

13. I left an urgent voicemail for XXXX XXXX at Bank of America corporate office,  but have not received a reply as of this time. 

14. XXXX  XXXX XXXX sent me replacement funds via wire transfer at around XXXX XXXX today. 

15. XXXX XXXX, XXXX XXXX branch manager, called me later in the afternoon. She said she could not provide any information about the check, including whether it had even been rejected by XXXX XXXX or whether there was a stop payment. 

16. Consumers who receive bad checks, or allegedly bad checks, should have some rights to find out what is really going on. I should not be told contradictory things by two different banks and then the second bank refuses to talk about it. I should have some rights to information, and there should be a process to provide consumers with that information.