davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (PA)

I have an issue with BB & T bank with both my husband and I being charged 2 times for a {$35.00} overdraft fee. One on his checking account number and one on mine. On XX/XX/XXXX i transferred {$20.00} from my husbands account to mine. Before I made the transfer, I logged into our account to make sure that the funds were there and they were. A few hours later, I logged in again to see that we had these overdraft fees. When I called a few min later, there was an attomated message saying they were doing maintenance on their systems and both phone and website were not updated correctly. A few hours later, my husbands check was direct deposited into his account. I quickly transferred {$80.00} and called to dispute! The representative said she would put in a request for refund and she said she did see a problem. The representative also made me aware that I had a protection coverage on my account and previously, I was being charged. I was unaware of this and she stated it should 've never been in place. After calling around for several hours on the XX/XX/XXXX, I was hung up on twice and denied! I was told from a women in research department that she will keep dening my request and was unable to help. I had a manager tell me that there is nothing he could help with and feel free to seek legal advice. Another research rep told me not to go by phone or website and it 's my responsibility to to track my spending. I have worked in customer service in the past and have never not found a solution or talk to a customer this way. I honestly feel that something not right is going on here and getting different stories from different people.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (CA)

In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I contacted XXXXXXXX regarding two accounts reporting on my credit report as Charge Offs. They are updating the bureaus every month indicating that their is a balance owed. When I contacted them to attempt to resolve this balance and offer a lump sum settlement offer, I was told that these accounts are considered " dead '' and that I would not be able to make a payment over the phone or negotiate any type of settlement offer. 

After clarifying a few things with the representative, it became clear that they are making this an extremely difficult situation. I feel like they are creating a hostile and abusive situation designed to cause distress by reporting a past due balance on my credit record and simultaneously prohibiting me from resolving it. They are adamant they are NOT attempting to collect a debt, but continue to credit report. What a giant paradox. Credit reporting is an attempt to collect a debt, and I feel that they are violating my consumer rights by continuing to report this on my credit. IF this a a " dead '' debt, then remove the balance!
Consumer complaint received 2023-02-10
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. (MI)

XXXX XXXX bank has impacted my credit score tremendously in a bad way I have noticed this account on my credit report and immediately called the company. The company basically said I have to pay even though I explained to them that I have no idea where this account came from. This account has been affecting my credit score a lot and I tried disputing with the company and nothing is working please help this has impacted my day to day life tremendously i finally check my report and they say I owe XXXX $ when I never seen or heard of this bank.
Consumer complaint received 2017-08-25
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. (HI)

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

On XX/XX/XXXX The company states they made an attempt to notify me that an account in which I have no knowledge of and have not had proper verification of validation of debt being owed. They reported on XX/XX/XXXX, ERC made several attempts to contact me. Which is not true. They also submitted a report saying they sent an initial letter notifying me of the account placement in their office. Began to express they spoke with me on XX/XX/XXXX, which again is not true.They also state On XX/XX/XXXX, ERC received a dispute forwarded to our office by the credit reporting agencies. Which IS true a dispute was submitted to all tree credit reporting agencies XX/XX/XXXX. As a result XXXX and XXXX have removed the reporting from my credit file because the company failed to provide proper validation of the ownership for this account and failed to do so in the amount of time legally allowed to validate debt. They have failed to remove the report from my XXXX account and it is adversely caused me to be declined from recent credit line request. My dispute reason was submitted as Ownership : I have no knowledge of this account. They then have stated that I need to contact the fraud department. Their debt collection tactics are to give the run around without properly validation. They have placed information my my XXXX account after the 45 day time limit which is illegal.
Consumer complaint received 2017-08-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Razor Capital, LLC (MI)

Razor capitol, LLC has called me many times using profane language and what I would perceive as threats if I do not pay them. I asked for them to stop calling me. They have not. Now I let their calls go to voice mail but they wo n't leave any messages saying its them.
Consumer complaint received 2017-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

For the last 3 years, I have made my loan payments to Navient. Every month I have notifications that I am late. I am assured every time I make a lump sum payment, on my own or by way of their auto draft- it does n't matter. The payments are not applied equally across my loans. Navient is the telling me the total amount necessary to satisfy these payments but then they do n't apply them correctly. Even now, because I don't/ca n't trust their auto draft payment process, I pay online. It still shows me behind on 3 of my 6 loans. I have had honest representatives tell me their system for many years clearly has not applied my payments correctly. When I escalate the call to a supervisor, I am belittled and treated poorly. Because of this, I have a mark on my credit from one loan. One loan out of six. It makes ZERO sense that if I am making lump sum payments, that I would avoid paying on one loan. They refuse to remove the disputed amount.
Consumer complaint received 2017-06-27
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. (TX)

Since XXXX 2010, I have sent over twenty certified letters to both EXPERIAN and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EXPERIAN : a ) XXXX  Acct No. XXXX
Consumer complaint received 2017-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: KEYCORP (OR)

Received a letter from KeyBank letting me know that my XXXX or overdraft line was being closed because of ownership difference between my checking account tied to the Overdraft line. Line has been in effect since XX/XX/XXXX pre-marriage as a sole acct. I added my husband to my checking account two years ago. Received the letter in XX/XX/XXXX. Went into the bank to open a second checking account only in my name to then tie the overdraft line to solve the ownership difference issue. I opened the checking account and then was later told that the existing XXXX overdraft lines are a product going away and wo n't be replace. So the letter misled me to believe that ownership of the line and checking acct was the reason for the closing of the line but that was a lie. Then the RM has me reapply for a preferred line of credit to be tied to my checking acct. Note this product is more expensive that the previous overdraft line I had which was closed because the bank discontinued the product. Completely deceptive sales tactics and should be reprimanded. Unethical by drawing in clients by closing lower cost products and then telling them to apply for a higher cost product.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I received many, many letters from JPMorgan Chase offering refinance and decided to refinance with the office in XXXX Ohio. They said I easily qualified for a refinance due to the heated real estate market in my neighborhood. The refinance came down to an appraiser who filed an erroneous report that did n't even describe our home. We raised this with the bank which is in the process of refunding our fee. Below is  an email I had to send to kick off an appeal process. This bank wasted many, many hours of my time which I could have used working with a more competent company. Per our discussion we would like to formally appeal the appraisal which we believe, having consulted multiple realtors and licensed appraisers, is erroneous and not even close to reflecting home values in our neighborhood. The appraiser actually used 2 tear downs sold over 8 months ago ( even though there were multiple comparable sales to choose from in the last 6 months ) and one home she selected was n't even in our zipcode! For some odd reason, she used a pending sale on XXXX XXXX ( near her own house no less ) when there were 2 clearly more recent comparables on the same street that actually sold for XXXX and are closer to my house. Also based on the lack of questions she was asking I could tell she was either inexperienced or going to be very lazy with this appraisal. If you do n't believe me simply look at the details of the appraisal document where she has included " Functional depreciation for pool '' because she was copying and pasting from another appraisal. She even got the total number of rooms incorrect and did not include any of the energy efficient items I noted to her. I shared this with many of my realtor friends and not one of them can believe this is a licensed appraiser. We are all absolutely dumbfounded by this clearly incompetent assessment. We have had multiple offers on the property for XXXX XXXX and over ( 300K over appraisal ) especially since it is a corner lot, in a coveted neighborhood and boasts the best public school in XXXX This is tremendously shoddy work and Chase should  demand better results from its contractors.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX at approx XXXX. I made a cash deposit of {$200.00}, I had XXXX XXXX dollar bills. The atm at XXXX XXXX, for this PNC bank was not working right!!. It spit out {$140.00}, it ate my {$60.00}!!!!!!!!! And I called their ridiculous customer service number, they had me on hold for over 15 minutes, I never got through to a manager in the retail escalations dept. So I called 2 more times to see what " bad customer service rep '' would say. They all said NO, we are not crediting your account the {$60.00} that our ATM ate! I could very well have checks bounce tomorrow because OF THEIR SEVERE NEGLIGENCE, THEY RARELY HAVE THESE HORRIBLE ATM 'S SERVICED! And now they literally STOLE MY MONEY!! I certainly hoped they get severely fined for this! I want that {$60.00} crediting NOW! Not only do they have horrible customer service, the hold times were horrid, they used all my cell minutes, I have a pre-paid phone. And they never have a manger working, they give wrong info of what department I needed to speak to! I called at XXXX XXXX, later after XXXX XXXX when I called again, that rep told me that I should have been able to speak to the right department before XXXX!! I am so mad right now at PNC I am having XXXX XXXX! My rent check could bounce because of thier horrid atms!! And if it does, I am getting an attorney after PNC! Thier reps told me this could take two weeks!! Fine PNC!
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SUNTRUST BANKS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX CT XXXX, Ga XXXX [ Suntrust Bank ] [ XXXX/XXXX/XXXX ] To [ Suntrust Bank ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, [ XXXX XXXX XXXX ]
Consumer complaint received 2017-06-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC. (MI)

On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from XXXX XXXX XXXX. She stated she was calling on behalf of Navient and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by Navient. However, I also found out that Navient is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called XXXX back to provide this information, I was then informed they are a debt collections agency.
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

I have not received a legitimate response to this issue and it has been several business days. I only receive automated responses from bitcoin despite promises of responses with 72 hours. On XX/XX/XXXX I sold XXXX BTC for {$3200.00} USD. The funds still have not been deposited in my linked checking account. OnXX/XX/XXXX I was notified that a payment will be sent to my XXXX XXXX by Thursday XX/XX/XXXX but the payment still has not been received as of today, XX/XX/XXXX. I would like to know the status of my sale of bitcoin and the payment that I am expecting? Should I still expect to receive {$3200.00} to be deposity in my account? See below for the transactions on my account : Sold bitcoinXXXX BTC {$3200.00} USDTO XXXX XXXX ********** XXXX XX/XX/XXXX COMPLETE
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I am a XXXX woman I previously just got fruaduatly inquirys taken off my credit and soon after more appeared some of the same ones, I have a XXXX XXXX XXXX who stole my identity and she have just been taken into custody as of X/XX/17 ... I ca n't even get out bed please help and remove these this is ruining me and I am so stressed behind this please help and remove these
Consumer complaint received 2017-04-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: URS Holding, LLC (OH)

I was called put a place that is trying to collect on a auto loan when I answer my the collector did n't verified any info on me and just disclose everything about the passed due loan. I know this he was not aloud to do that. The number that keeps calling me is XXXX. He told me how much I owned and who I owned and how much a XXXX would be, but did n't know if he was talking to the right person or not because he never verified me at all
Consumer complaint received 2017-06-26
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: Navient Solutions, LLC. (MI)

Since  XX/XX/XXXX , I have been exhausted trying to communicate with  XXXX   XXXX   ( currently   Navient ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls an d I c ontinue to be unsuccessful in my efforts. My most recent request was faxed to Navient and included specific documentation from my credit report on  XX/XX/XXXX  and I  received an email which stated that I would receive a response withi n 5  business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of  XXXX . Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage