davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

On XX/XX/XXXX, I reached 120 qualifying payments for PSLF with MOHELA having been employed full time as an XXXX XXXX XXXX with the XXXX XXXX XXXX. At that time, my employment certification has me at 113 payments, with the last 7 months not being certified. I submitted my employment certification for forgiveness on XX/XX/XXXX. I received a response on XX/XX/XXXX that it was going to be processed in 30 days. At the end of 30 days, I called as nothing had happened. The person on the line said there was a hold up and it would be 45 days total. When I called at 45 days, I received an answer that my application never went through but they would process it in 60 days. Every time I called back was a wildly different answer and over 2+ hours on hold. One day, I was on for 4+ hours. Someone tried to say my counts were off because I was a very recently acquired loan with MOHELA, but they have had them for over 2 years, meaning this was blatantly false. Today, XX/XX/XXXX, I received a letter stating I do not qualify for forgiveness. I logged in and saw they rolled back my qualifying payments to 42 qualifying. The dates they counted are sporadic and include some of the most recent months. When I asked today about it, I was told it wasn't their job at MOHELA to count the payments, and there was no solution or timeframe for my issue being resolved. When asked if it could be months or years, I was told it might be and that I just need to keep making minimum payments. This feels as if MOHELA is grossly negligent with my loans and incapable of properly processing them for forgiveness. After passing up multiple better paying job opportunities to stick with PSLF, they have picked up the finish line and moved it far beyond my reach with no directions on how to get there. I'm an frustrated and so far have no guidance on next steps other than to wait, seemingly for years. This is completely unacceptable and a drain on my finances and valuable time. It also has prevented me from looking for better employment, as moving on before forgiveness could cause issues if they have not completed my forgiveness. What's worse. The debt that should be forgiven could be a potential block to obtaining a mortgage for my family 's first home, which would force us to rent and lose money in the long run.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (ME)

Ive been receiving multiple calls from the collections company Transworld Systems Incorporated, I spoke with what Im assuming is my account manager XXXX  todayXX/XX/2020 at XXXX XXXX and advised her I will call her tomorrow with a payment. I then received another call from XXXX  at XXXX XXXX and another call at XXXX XXXX. I should not be receiving anymore calls in the same day, only 2 hours after speaking with someone and advising I will make a payment.

I am called at least 5 times a day and at this point its excessive and seems to be just for annoyance.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I had a loan with XXXX Bank. The loan was serviced by GMAC. They foreclosed illegally through a local attorney. I plied for a loan modification. They said I qualified. I just had to pay the {$17000.00} in missed payments to activate the modification. They then proceeded with the foreclosure process. They collected insurance, collected money from the sale of the property and got Federal Bailout money. Eight years ago when few people realized yet the extent of the mortgage meltdown and the extent of wrong doing by many banks it was difficult to get a fair shake. I had to leave my home of 16 years. Can anything be done now?
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MD)

I have federal medical student loans that were originally through XXXX. I had submitted a consolidation and effectively, a migration of servicer from XXXX to Mohela ( did not have the option ) in order to qualify for an income-driven repayment program ( called " XXXX '' ) and still maintain qualification for XXXX XXXX XXXX. 

My request to consolidate and application for an XXXX  were submitted on XX/XX/XXXX. Per my studentaid.gov portal, my XXXX request was completed ( their date string on the website is unreadable so it's hard to tell the date of completion ) which would reduce my payment from what they are asserting I owe right now, {$1400.00} to approximately {$340.00}. 

Mohela 's website does not offer any contact information to establish a written line of communication for posterity. Thus, I called their service number and was informed my loan would enter a deferment until processing was completed. That has not happened, and I was just messaged by Mohela that my loan is now behind, and that I owe a past due balance of {$1400.00} and that my next scheduled bill is on XX/XX/XXXX. 

From some light research and communication with other medical professionals, Mohela has been responsible for similar experiences. My XXXX  application can be available upon request, though I've uploaded it to Mohela 's website as well.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (NC)

On XX/XX/2020 I received a notification on my credit report, from the company Commonwealth finance, located XXXX XXXX XXXX, XXXX, PA XXXX. A bill with the amount of {$1500.00} from XXXX XXXX XXXX XXXX showed up on my credit report, I soon after contacted the company, and was told they knew nothing about this bill. commonwealth hasnt been forthcoming with any information, I have not received any letter in the mail or phone call this account went straight to collections, and it isnt a real account.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Dear CFPB, I am writing to you because my mortgage company is refusing to help me keep my home, I requested for help and my mortgage company told me that they were going to review my account for a loan modification under the home affordable modification tier 2. 
Now after 4 months waiting for a decision, my mortgage company told me that the investor reviewed my account and due to my back ground it is not on their best interest to help me keep my home. 
I recently received a denial letter however I called them I told them I did n't agreed with their decision. so they told me they will not help me appeal the decision since this is the investors decision. 

Please help me since all im looking is to keep my home.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My debit card was lost or stolen and used for the amount of XXXX. Bank of America refuses to credit me back this amount that was stolen from my account. My card was being used in a state Ive never been, from XXXX to XXXX. The claim had been denied twice, Their reasoning is that my pin was used, I have no idea how my pin was used but it is 2024 there is many ways scammers are able to infiltrate information to compromise accounts. They did no real investigation and simple went based off of the pin being used, Ive provided all the information and documents needed and still got nowhere with these people, XXXX completely sick and fed up with this company and will be closing and filing suit. They also said that I funded the fraud because I received a XXXX  payment in proximity of the time called to make them aware of the fraud these people are inconsiderate and have no grasp on real life. I was targeted for fraud and was unjustly denied my claim because they believe that it had to be me because the pin was used. 12 year relationship with this bank and this is what happens. I will close my account and file suit.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CO)

On XX/XX/ I noticed several overdraft fees in my checking account. I immediately transferred XXXX dollars to the SSFCU checking account from my XXXX acct. 
The funds showed up in my account as two deposits highlighted in green, showing available. 
I then resumed using my debit card with no issues until it gets declined for no reason. 
I look at my acct again and SSFCU had charged me 8 more overdraft fees for my latest purchases. I questioned why they overdrafted charges when funds show available, I was told they werent availble but since I have overdraft protection they will keep covering my overdrafts until a XXXX limit. 
The credit union actually stopped my access when charges reached XXXX dollars. On the XXXX I spoke with an SSFCU associate who said that my deposit on the XXXX came in after charges. I explained to her that the deposit was done in the morning. I asked for the times of the charges and she was unable to give me accurate info. 
I was charged 12 overdraft fees of XXXX in a span of two days, deposit was sent in the morning of the XXXX. The credit union allowed access to funds and then overdrafted in a predatory manner.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

PLEASE BE ADVISED THAT DESPITE THE NUMEROUS TIMES THIS OFFICE ( XXXX. ) HAS FAXED THE ATTACHED RELEVANT AUTHORIZATIONS FROM THE BORROWER TO THE LENDER AND/OR LOAN SERVICER HEREIN ( I.E. OCWEN LOAN SERVICES ), THEY 'VE NEVER SEEM TO BE ABLE TO FIND OUR ENTITY AS BEING AUTHORIZED TO SPEAK TO THEM ON BEHALF OF THE BORROWER NOR WILL THEY PROVIDE US WITH THE CONTACT INFORMATION CONCERNING THE UNDERLYING LENDER AND/OR INVESTOR SO AS TO CIRCUMVENT THEM ALTOGETHER DUE TO THEIR UNCOOPERATIVE NATURE.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: FISERV INC. (FL)

I have a XXXX account where it uses FiServ to process payments to my bills on XXXX XXXX. FiServ allows deceptive practices to occur with it's clients, as to what is offered. When I investigated a late payment it was found to be decisioned to pay by a physical check based on the monetary value of the amount being sent, allowing a large bill to be processed in a different time frame which actually delays the payment and has a higher potential for being late and incurring fees and late charges. As a user of the system there is no way to know ( or for the Bank to lookup ) a dollar amount to see which pathway the payment will travel ACH 2-3 days and physical check allows for due date - 4 business days.There seems to be no accountability, as the blame was " XXXX credit card selected that option through FiServ ''. I believe it is up to the company offering the product to NOT allow deceptive or confusing billpay options to its clients and end-users.I believe this may be a a loop-hole that was set up to accommodate different scenarios but is instead allowing a profit from deceptive practices and really puts the end-user at a disadvanatge.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024 I made a {$50.00} XXXX from my an external bank account to my Bank Of America Checkings account. This money was received into my account and I have attached a copy of the email stating it was received into the account. On XX/XX/2024 a {$50.00} payment was made from my Bank Of America checkings into my Bank Of America credit card. On XX/XX/2024 these {$50.00} were marked as returned payment unpaid. I never then received those {$50.00} back into my checkings and the Bank Of America company supervisor from the Deposits department XXXX from the North Carolina office stated the my checkings account never had {$50.00} to begin with. I explained to her that how can a payment be made from an account if it does not have any funds but she stated that it was not their problem.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

I woke up today to find my credit score tanked by XXXX points suddenly and unexpectedly. Noting a sudden closure on an account with no notification from Synchrony regarding the closure. 

Upon contacting them I've been provided multiple different narratives and no direct answer as to why I wasn't notified or precisely why the account closure was sudden and unexpected, or as to how to reinstate it beyond applying for a new card, which I'm not interested in. 

This has happened from the same company 3 times. Once with a care credit, that was closed suddenly and unexpectedly ( I eventually reopened this ) and once with a paypal mastercard that was again closed suddenly and unexpectedly. This marks the 3rd time that this has happened with this company, and the only response I can get is that they simply aren't required to provide any notification of cancellation if the card hasn't been used recently. 

I have received neither physical or electronic mail regarding the cancellation and after 3 attempts to contact them they simply leave me with a non-answer. Additionally they've attempted to divert my complaint away from the CFPB suggesting instead I call the company or its sufficient to simply complain to the company. 

This account was transferred to them following a closure of local furniture store a few years back and I never received communication regarding any change of policy or any timeline for use. I never even received an updated credit card for use from the original card that I had received from the furniture company when the account was opened in 2017
Consumer complaint received 2020-10-10
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: Lending Club Corp (AR)

I have a loan with LENDING CLUB. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and LENDING CLUB with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (TX)

American Express denied my credit application based on previous cancelled accounts that were cancelled due to a prior bankruptcy in 2000. Bankruptcy is allowed under the Consumer Credit Protection Act and American Express is being discriminatory by denying my application under the Equal Credit Opportunity Act based on my exercise of the Bankruptcy right in 2000.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

I've been reaching out to Navy Federal Credit Union in regards to reporting my utilization, which is a violation of Title 15 Usc code 6802. Navy Federal Credit Union is violating my rights as a consumer by not giving me the option to opt-out. Navy Federal CU never provided the opt-out disclosure to me, which is their clear obligation to provide.
Consumer complaint received 2016-06-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

This is to express XXXX concerns about HSBC banking. I began the process of transferring my investment accounts out of HSBC ( XXXX, VA ) in latter XXXX of XXXX the process was completed by the end of XXXX. I later closed all of the remaining accounts. When I returned home in XXXX after a partial winter residence in the XXXX of USA, there was a credit card bill from HSBC. I informed the branch manager where I previously banked ( XXXX, VA ) that I had not used the credit card and no one else should have been able to use them because I had closed all accounts with HSBC. I wrote a statement and submitted it, but HSBC continues to send me a bill with interest. I have spoken to my previous branch manager several times, but the problem has not been resolved and they continue to send me a bill. I want the billing to stop. I did not use the credit card ; the account was closed and should not have been used by anyone. Evidently, I would not know, the credit card account was not closed ; I did not use it. XXXX ) I transferred my investments to XXXX. They handled all of the paper work. HSBC charged me fees for a time period when XXXX had the investments. I was not working with anyone in the months prior to transferring my investments from HSBC. When HSBC could not justify a fee payment, they took money without permission or informing me out of my Money Market account to pay themselves an unearned or deserved fee. That was the point when I severed all ties with HSBC ; I closed everything. I first moved my investments for XXXX reasons : a ) they were not at all helpful and responsive when I wanted to refinance y home at a lower interest rate. b ) After the persons I was working with left the company for other jobs, no relationship was established with me and when I made a request, no action was taken on my investment account. I am urging other to take heed and look for a bank that will serve you with integrity. XXXX ) Also, they cause me to loose over a thousand dollars by not cashing an old check. They took the check and gave me a piece of paper that the XXXX XXXX would not honor. They should have given back the check so that I could have had it reissued. XXXX egregious acts ... .stay clear.
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I visited BofA office on XXXX XXXX ( Saturday ) to make the international wire transfer ( XXXX XXXX $ ). The money was withdrawn from my account on XXXX XXXX ( Monday ), but the recipient still hasnt got the funds ( today is XXXX XXXX ). The wire transfer details are correct.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am contesting the inclusion of this bankruptcy on my credit report because the filed and reported dates, along with the closing dates, are not in alignment. This is deeply concerning since I have a court letter clearly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party further complicates the situation.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (TX)

Upon reviewing my credit file, I have discovered several inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.
Consumer complaint received 2024-01-12
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XX/XX/2022 XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX The following personal information is incorrect
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL (FL)

I disputed several hard inquiries from SYNCB/walmart SYNCB/amazon on my  XXXX   XXXX   XXXX  and   XXXX   Credit Report. I wrote several letters to the companies asking to remove these fraudulent inquiries from my credit report, and I was told that those belong to me. I ask for each bank to send me proof if these items belonging to me and i was never sent this information. I am a victim of identity thief.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.