davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I received an email from someone within my institution about a XXXX XXXX XXXX XXXX   opportunity ( I found out after the fact that their account was compromised due to phishing ). I applied for the job and received an email from XXXX XXXX ( XXXX ), as well as a text ( XXXX ) letting me know that I was accepted. I then received a packet in the mail on XX/XX/20, with which I was provided cashier 's checks from XXXX XXXX XXXX XXXX totaling {$2900.00}, which I was to deposit in my checking account before completing my task. The instructions were to go to the nearest XXXX XXXX and purchase two {$1200.00} gift cards and fill out a survey on my store experience. My compensation would be the difference in what I was paid and what I purchased in gift cards. I also received a follow-up call from this man afterwards, who asked me about my experience at the store and seemed very nice on the phone. After following the instructions of sending the codes on the backs of the gift cards to the phone number ( XXXX ) and email address ( XXXX ), I was then asked to send a cashier 's check and money order donation to the XXXX XXXX XXXX -- which I have not done, now that I know this was a scam. 
As a result, the checks bounced, I was charged {$36.00} in fees from Chase Bank for these checks, and I am out the {$2500.00}, which Chase is not willing to help with. 
I have filed several reports, contacted the XXXX XXXX, and notified the Federal Trade Commission, none of which were able to do much to help me recover the funds or solve the issue. But I wanted to make as many organizations aware of this fraudulent scheme as possible. This man is claiming to be with XXXX XXXX ( a legitimate secret shopping/market research company ). I also filed a police report with XXXX XXXX, IL Police Dept ( # XXXX ) at ( XXXX ) XXXX.
Consumer complaint received 2020-03-19
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$260.00}
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (MI)

I received a collection letter from Stoneleigh Recovery Associates about an account with XXXX XXXX, XXXX XXXX. I notified the collection company and I have never had an account with XXXX XXXX.
Consumer complaint received 2024-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

When COVID forbearance ended, Mohela did not handle the transition well. I was on an administrative forbearance and Mohela took me out of it numerous times. I would have to call mohela to get them to put me back in to forbearance. I would get emails that I was no longer in forbearance and had a payment due soon. I was having this problem between XXXX XXXX XX/XX/XXXX. I dont have access to any previous forms they sent me since their platform changed. The only proof I have of this are generic emails sent from them either saying payment is due or that my forbearance is processing.

I got another email XX/XX/XXXX saying I had a payment due. I had to call again to make sure I was still in forbearance- they said one of my forbearances was ending so that is why I got the email. They were not able to explain exactly what they meant by that but did say my forbearance for my borrowers defense was still in place.

They are unable to handle our loans and are terrible at communication. Dealing with models as a servicer has been extremely frustrating. If I didnt pay attention to my emails, I could have had late payments when they randomly took me out of forbearance multiple times.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

I fear that I may have been unable deliver a claim notice to American Express in advance of mediation/arbitration/litigation. On XX/XX/XXXX, I cerftified-mailed a claim form and cover letter ( copies attached ) to the Amex GC, and it was received on XX/XX/XXXX ( copy of XXXX tracking attached ). Regrettably, American Express stated in a XX/XX/XXXX letter ( copy attached ) that " we have no record of having received a request for arbitration or other claim. '' I can appreciate that American Express has many bad facts to deal with surrounding my issue and are not eager to expend additional resources over a {$100.00} claim, but I am resolute in my pursuit of justice and desire to help Amex improve their customer service function. Despite repeated instances of Amex supposedly providing feedback to the appropriate leader, their XXXX XXXX XXXX complaint department seems to be thoroughly incompetent, at best. Therefore, I request that CFPB look into Amex 's handling of my claim so I can find out if they lost it and I need to re-file it or if I'm able to pursue mediation/arbitration/litigation right away. I don't want to miss any arbitrary 30 day tolling provisions due to their negligence.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (VT)

In XXXX, XXXX sent my account to collections because I hadnt returned my equipment. I did not have access to it until XX/XX/XXXX and officially returned it in person to XXXX on XX/XX/XXXX. I sent Enhanced Recovery this information so the claim could be removed from my credit, and I have been ignored.
Consumer complaint received 2019-02-18
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: Navient Solutions, LLC. (UT)

XXXX  and XXXX are reporting incorrectly that I am 120 days past due on several student loans with Navient that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NY)

Company continues to report a debt that was discharged in bankruptcy in XX/XX/XXXX to credit reporting agencies up toXX/XX/XXXX negatively affecting credit score. 

XXXX XXXX XXXX currently is reporting the debt and held the debt at the time of the bankruptcy filing, Nationstar Loan Management held the debt prior to XXXX and also is continuing to report the same debt.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Company continues to report a debt that was discharged in bankruptcy in XXXX to credit reporting agencies up to XXXX of XXXX negatively affecting credit score. 

Rushmore Loan Management currently is reporting the debt and held the debt at the time of the bankruptcy filing, XXXX XXXX XXXX held the debt prior to Rushmore and also is continuing to report the same debt.
Consumer complaint received 2019-05-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Family First Funding LLC (NJ)

I registered and attended New Jersey XXXX expo on XX/XX/2018 at The XXXX XXXX XXXX XXXX, XXXX XXXX, NJ. I participated in the home buyer class. Attendees were told of a NJ State government program that gave first time home buyers {$10000.00} grant to help with down payment. Also present were some financial institutions, who have agreed to work with the state in providing loans to individuals who meet the criteria for the loan. The only condition for this loan was that a beneficiary must live in the house purchased for a minimum of five years. If the beneficiary decides to sell the house before the end of this five year period, he or she will pay back the money in full. Unfortunately, I engaged one of the firms ( Family First Funding LLC ) that I met at this expo for mortgage loan. 
I was approved for {$500000.00} with a credit score of XXXX. But towards the end of the process, the mortgage firm said that my interest rate with be 6.125 %. This came as a shock because the market rate at that time was about 4 %. The loan officer told me that the higher interest rate was due to the fact that I was receiving a grant of {$10000.00} from the state through them. But I was made to sign a paper stating that the grant had no impact on the interest rate. 
The worst thing is that when I spoke to the loan officer about 2 months ago, she told me I can not refinance until after 2 years. At different points I was ambushed with very little information that came at the last minute or when it was impossible for me to look for another lender. 
They lied about the government grant determining the extraordinarily high rate ; and I was never told at the time I signed for the loan that, I can not refinance until after two years.

Why do I have to wait two years to refinance? Is this legal? Is it written in the original mortgage agreement? What is their reason for this exorbitant ( higher than prevailing market ) interest rate?
Consumer complaint received 2019-05-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (NC)

I sent Discover Financial Services a letter in XX/XX/2019 disputing the incorrect information, i.e., my name on my file. Discover Financial Services replied to a request stating that I needed to supply them proof that my name had changed. They are reporting my name as XXXX XXXX XXXX or XXXX XXXX. This has never been my name nor have I authorized such name change as, there is not supporting documentation that exists that shows this is or was name. 

Discover Financial Services can not provide proof of who initiated this name change, nor can they provide proof that this is not a fraudulent account, initiated by someone else attempting to use my name.
Consumer complaint received 2019-05-28
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. (TX)

on XX/XX/19 I submitted a dispute to Transunion regarding the XXXX XXXX XXXX account that is reporting. Transunion stated the account was valid. on XX/XX/19 I requested Transunion provide me with the details on how they validated this account. Transunion has not provided me with the details on how they validated the account. Transunion is in violation for not providing me with the information I requested. I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. So clearly this account was never validated and can not be validated.
Consumer complaint received 2019-05-28
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: EQUIFAX, INC. (TX)

on XX/XX/19 I submitted a dispute to Equifax regarding the XXXX XXXX XXXX account that is reporting. Equifax stated the account was valid. on XX/XX/19 I requested Equifax provide me with the details on how they validated this account. Equifax has not provided me with the details on how they validated the account. Equifax is in violation for not providing me with the information I requested. I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. So clearly this account was never validated and can not be validated.
Consumer complaint received 2022-01-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo unlawfully foreclosed on our mortgage in 2014 and has still not corrected the errors. 

NOTE : This is NOT a duplicate of XXXX. 

In response to my initial complaint referenced above, I did speak with rep fr WF. When asked for an email address with which to correspond, I was told they do not use email but he offered a fax number. He was wanting to discuss my concern over the phone but I told him I was not comfortable doing that and preferred correspondence in writing.
Consumer complaint received 2019-05-28
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 (PA)

Portfolio Recovery Associates wish to sue me in court for unpaid debt for which I do intend to pay. The court due date is XX/XX/XXXX. However I can't come to court due to the fact that I can't risk leaving my elderly mother alone in the house. She's suffering from XXXX XXXX XXXX XXXX, so it wouldn't be wise to leave her alone. My other complaint is that Portfolio Recovery Associates is charging me twice as much as what I actually owed to the original creditor. I actually owe {$300.00} but they're charging me {$690.00}. I only make {$600.00} a month from my pension so it's going to be a tight squeeze on my budget. I was wondering if it was legal for them to charge twice as much?
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

Lexington Law charged me 10 months for services they claimed in marketing, email, and via telephone that they performed. They did not perform what I paid for. Also, today they admitted to not sending out a higher level of dispute letters which was requested 6 months ago. These fees and services are misleading, deceptive, and inaccurate. They targeted myself and attempted to force me to target my family to join. I attempted to cancel and they do not provide any way to cancel online. They force you to call or email. I did both and it still took days to cancel. Furthermore, they refused to refund the charge even after I submitted a request to cancel.
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

Navient refuses to properly process my Teacher Loan Forgiveness Application. The application is properly filled in and I meet all requirements including : 1. XXXX  at an eligible XXXX  XXXX  2. Being a highly qualified XXXX XXXX XXXX XXXX, or ( only if my XXXX  XXXX  began before XX/XX/ ) a XXXX XXXX XXXX XXXX in a subject area relevant to my academic major ( forgiveness of up to {$5000.00} ). 
3. Being approved and signed off by my XXXX  's Assistant Superintendent of Finance. 

The application was rejected twice for the following reasons. The first rejection was because the assistant superintendent used the date format XXXX. Navient insisted the date format must instead beXX/XX/XXXX. The second rejection was because the assistant superintendent did not include the middle initial of the XXXX  's name ( e.g. " XXXX XXXX XXXX XXXX  '' instead of " XXXX XXXX XXXX XXXX XXXX '' ) even though there is only one such named XXXX  in the city and even state. 

I continue to resubmit the application with each technicality corrected, but new technicalities continue to cause rejections. I have no doubt it will continue to be rejected without just cause.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

On the night of XX/XX/XXXX, we had two debit card charges of {$5.00} and {$15.00} hit our account, as well as an XXXX XXXX charge of {$100.00}. Additionally, we had an automatic transfer occur for {$100.00} that automatically sent {$100.00} from our BB & T checking account to our BB & T savings account. This same night, we also had a direct deposit of {$1300.00} hit the checking account as well. What BB & T did was to arrange the debits in a way that caused the checking account to go slightly negative for a brief moment in order to charge us an overdraft fee, and then they applied the direct deposit to the account, bringing the account positive. Aside from the fact that they stacked the debits and direct deposit in a way as to cause the account to briefly go negative, I think its criminal that they should even charge overdraft fees for an overdraft caused by an automatic transfer of money from one account at their institution, to another account within their institution under the same customer name, but thats beside the real point here. At the end of business day on XX/XX/XXXX the account was in the positive, and at the beginning of business day on XX/XX/XXXX, it was also in the positive. BB & T has refused to fix the issue.
Consumer complaint received 2019-05-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

Last XX/XX/XXXX, Navient sent me 3 letter telling me that they were going to due me due to my inability to make payments. I have been on XXXX since XX/XX/XXXX and made them aware of it. In XX/XX/XXXX, I gave them a payment of XXXX. The man who took my bank information then set up a payment plan for Navient without my consent. When I called to confront the company they lied and said that they did not do that. The young man then baited me into an argument which lead to them calling the police on me. In XX/XX/XXXX of this year, I requested to have my loans discharged due to being on XXXX for over 2 years. They told me three times that they sent the paperwork and never did. Then they began to call me 5 times a day. I blocked their number as per consumer affairs bureau stated that they could only call me once a week. The young lady on the line told me that she would call me 8 times a day. So I blocked her. I originally borrowed XXXX to pay off medical debts due to the state of California denying me XXXX. I would not had been able to continue attending school due to my XXXX  and inability to get medical care that I needed. I was asked to participate in the civil law suit but was unable to due to my previous job that I worked 60 hours per week. I contacted thy XXXX and have not heard back from either. Please help me. Thank you.
Consumer complaint received 2024-09-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (TN)

My mortgage is a VA loan that was purchased by Newrez a couple of months following its origination. We have had longtime plans to release 1 acre of our 16 acres to our daughter so she can build her home. We got the area surveyed, soil tested, approved by our county committee, and legally separated into its own parcel, but it remains in our name. We had the quitclaim deed written up by legal counsel and took it the county register of deeds to transfer ownership to my daughter. The register of deeds at the county informed us that they are unable to file this quitclaim deed without a partial release from Newrez for this 1 acre out of the 16 acres secured by the lien ( deed of trust ). 

Upon initiating the process for a partial release, it was discovered that Newrez documents state that only 8 of our 16 acres are being held as collateral because its value was enough according to the appraisal to cover our loan amount should we default. Newrez mortgage documents do NOT match the lien ( deed of trust ) on file with the county, as that document states that newrez is holding all 16 of the acres as collateral. This MAJOR inconsistency in the lien ( deed of trust ) and the mortgage documents was not caught by the underwriter of our loan, the VA officer who approved it, the realtor selling the property, the title company who facilitated this purchase, and Newrez who purchased this loan. Had this been identified by one or more of these parties, I believe the loan would not have closed with this MAJOR error. 

Upon bringing this error to the partial release team at Newrez, they stated that this is now a legal matter that is to be addressed and corrected by their Legal Remedies team, as the county will not require a partial release when the lien ( deed of trust ) is corrected to state they are holding 8 acres rather then 16 acres. We have contacted this team via email and have not received any response in regard to this matter. This was a legal mistake that was made when the Lien ( deed of trust ) was filed with the county. At this time, the 8 of our 16 acres that Newrez states they are NOT holding as collateral are tied up by Newrez because of the ERROR on the Lien ( deed of trust ). 

We need this mistake corrected IMMEDIATELY as it is NOT ETHICAL and ILLEGAL for Newrez to be hold 8 acres of our property hostage due to a clerical error that Newrez failed to identify. In the state of Tennessee, this incorrect lien ( deed of trust ) is legally invalid, so it is also in Newrez best interest to correct this immediately as an invalid Lien ( deed of trust ) leaves the loan unsecured. If this is not corrected in a timely manner, we will take legal action to have our 8 acres given back to us.
Consumer complaint received 2019-05-24
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. (IL)

Hi, the problem Im having today is Experian is continuing to report a XXXX XXXX Auto loan on my report. The account is fraudulent it was removed by every Credit reporting agency except Experian. I have the fraud report and also I reported to the Illinois Attorney General Office that report is attached as well. The XXXX XXXX account number is XXXX. I ask that CFPD assist me with the suing of Experian for the fact of reporting this fraudulent account. This is against the FCRA guidelines and hug violation to report fraudulent information on a consumers credit report.