davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (HI)

In XX/XX/XXXX I was contacted by ECMC Loan Rehabilitation Company Contact Info : XXXXXXXXXXXX. 
ECMC Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They stated I still owed on my school loans and if I paid {$25.00} per month for 9 months they would get me out of default and my taxes would no longer be offset. Since I had n't completed my XX/XX/XXXX taxes as of that time I agreed so I could get some money back on my tax payments. 

After paying for a few months I had n't received on statement of my account and I had also requested MULTIPLE times to have a record of all payments made into the loan via my tax offset.They would promise info and never deliver ANY information I requested. 

I received a call on XX/XX/XXXX letting me know I had hit my 9th payment ( total paid {$220.00} ) and now my loans are out of default and now managed by XXXX and they will be taking {$150.00} out of my bank account ever month until XX/XX/XXXX. THIS MADE NO SENSE WHAT SO EVER! I only had a little over {$14000.00} in loans taking on originally - there WAS NO WAY I owed that much. 

So i then called IRS Taxpayer Advocate Service at XXXX - XXXX XXXX XXXX then informed and confirmed that I had my taxes offset to pay the loan debts in XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$6200.00}, XX/XX/XXXX {$5300.00} a total amount of {$15000.00} been garnished by tax Offset payments to the four Stafford loans I took out in XX/XX/XXXX-XX/XX/XXXX or it may have been the XX/XX/XXXX-XX/XX/XXXX School Year at XXXX XXXX XXXX XXXX. 

I have now faxed the XXXX XXXX XXXX XXXX at XXXX and faxed a letter requesting all records of Offset payments and to whom they were paid to, dates and amounts to prove that I have almost paid of ( if not ALL paid ) the loans paid via tax interception. Please help as I do not know what to do and do not want this escalating any further - I will be calling a lawyer as soon as I receive the records of offset payments from my tax returns. 

Contacted XX/XX/XXXX : XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  informed me there was NEVER any payments made to the loans as far as they could tell and that I owed the full loan amounts - Denied any record of tax interception or offset payments made to the loan - I let them know that I had contact the IRS and have confirmed the loans have been 95 % paid if not 100 % paid through tax offset payments starting for XX/XX/XXXX to XX/XX/XXXX. They denied any claim to the loan having been paid at all. Please HELP!!!
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

I received a letter to recast my mortgage from {$890.00} to {$820.00} and take effect on X/X/17. I signed the form and sent this form, along with a name change form and a form granting access to my account for my husband and sent it certified mail ( USPS tracking number XXXX XXXX, as my recast expired on X/XX/17. The package was received at Chase on Friday, XX/XX/XXXX at XXXX. I received paperwork, stating that they changed my name and had given access to my mortgage account to my husband. I just went to pay my mortgage and it 's still {$890.00} and Chase is saying they never received my recast paperwork and it expired on X/XX/17 and there 's nothing they can do. This is fraudulent, because that paperwork was in with the rest of the paperwork they miraculously received. I want Chase to honor this recast and to prevent further consumers from going through this frustration. The name change and access documents were not time sensitive so there would be NO REASON to send these certified mail, other than the fact that my recast paperwork was also in this envelope!!
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Submitting for XXXX XXXX. Set up mortgage with Rushmore Loan Management Services in XXXX CA. Loan interest rate was to be based solely on XXXX XXXX Standard Modification Interest Rate ( XXXX ). Last year was at 4 %, paid on 4 %. Currently the XXXX is 3.41 %. Rushmore is saying I must pay on a 5 % loan. Tried to explain to customer service and management there how it works. No one can help, said will note and have someone contact within 30 days. XXXX XXXX, Payment is due, rate is up, payment is way up-getting no response to fix. Calls to Rushmore go unheard. This is criminal! Have been reading all the complaints to the XXXX etc. on this organization. Please assist if possible. Thank You! XXXX XXXX
Consumer complaint received 2023-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CA)

In XXXX of this year I instructed PNC Bnk to change my savings account to a money market account which had and interest rate of 3.49 % for balances above {$10000.00}. My balance was around {$17000.00}. After several calls and two months time they never changed my account and never paid me the interest promised. Finally almost two months later they fixed their error. PNC will not back date the interest. Ive contacted corporate and they will not rectify their error
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Van Ru Credit Corporation (NC)

I represent a client and am doing work for her on her finances, credit, and debts. 
I received a call from someone saying that he was a friend of my client and wanted to know what services I provide. He mentioned my clients name and asked if I knew her. I confirmed I did. I explained what services I provide. He then said he was unsure if he could work with me. I asked who he was and he did say he was with Van Ru Credit Corp. but would tell me no more. I asked " are you debt collector '', he said " he could not answer that ''. I asked " are you attempting to collect a debt '', he replied " he could not say ''. The call was then terminated.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I short sold my property on XX/XX/XXXX. During or prior to receiving the sale information, XXXX, acting as Attorney-in-Fact for XXXX XXXX XXXX, submitted a motion for summary judgement ( with a fraudulent affidavit ). XXXX XXXX XXXX approved this judgement with judicial sale date of XX/XX/XXXX.  This date has been changed a few times and is now scheduled for XX/XX/XXXX. After I submitted a previous complaint to the CFPB on XX/XX/XXXX ( XXXX ), my attorneys received the short sale approval letter from XXXX on XX/XX/XXXX. After complying with their requirements for closing, they included an affidavit which required buyers and sellers signatures. I have attached the affidavit here, The 2nd paragraph has a line saying '' the servicer ... .agrees to accept less than the amount owed to resolve its Loan ( pursuant to a separate agreement between the servicer and the seller ). I do not have any separate agreement. Also, in # 10 on this affidavit, '' each signatory to the affidavit agrees to indemnify XXXX and the investor ( supposedly XXXX XXXX ) for any or all losses resulting from any negligent or intentional misrepresentation including, but not limited to repayment of the difference between the amount owed on the loan and the discounted amount payment. '' I questioned why I do n't have the agreement they referred to in the second paragraph and why # 10, they were referring themselves to XXXX. They now have told my attorneys they will change the wording so it will say XXXX as attorney-in-fact for XXXX XXXX XXXX. I still do n't have the agreement that was referred to, which I believe would be the release from liability. Now the buyers have been waiting since XX/XX/XXXX to close, we were ready last week-I had the home checked by the water department as required, paid the XXXX but XXXX will not provide the release from liability. The scheduled judicial sale is XX/XX/XXXX. If they ca n't provide a release from liability, we ca n't close on the house. I believe they are stalling again or plan to come after me for the claimed deficiency once the short sale is closed.
Consumer complaint received 2017-08-03
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. (GA)

XXXX XXXX XXXX, continues to report inaccurate repossession information on my Equifax Credit file. The FCRA prohibits companies from providing wrong information, when they know or have reason to believe the information is inaccurate. XXXX XXXX XXXX has been ignoring my disputes. The vehicle ( XXXX XXXX  XXXX ) was repoed XX/2013 in ( XXXX XXXX Florida ) but my credit file states I 'm over 180 days past due as of today. It also states I made 45 late payments which is false. After numerous disputes, the account still is reporting open. This is a violation of the FCRA, which requires that companies properly investigate disputes.
Consumer complaint received 2017-10-19
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 (MI)

I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as Portfolio Recovery. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

I have sent a letter out the XXXX  XXXX on XX/XX/2023 asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit report.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (FL)

I opened a car loan with Wells Fargo on XX/XX/22 for {$22000.00} and for my credit I got an unreasonable high interest rate and theres issues with the gap insurance when I was finalizing the purchase of the vehicle. Also, the tactics used by Wells Fargo in order for me to purchase. The vehicle purchase overall seem very deceptive and at times it seems illegal.
Consumer complaint received 2017-10-19
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. (AZ)

Have tried to work with XXXX, Equifax and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX, XXXX and Equifax and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
Consumer complaint received 2018-04-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank violated 18 U.S.C.A. s 1341, UNITED STATES CODE TITLE 18. CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES, CHAPTER 63-MAIL FRAUD, SECTION 1341. Frauds and swindles,. 

i. Banks knowing and willful violation of contract by charging excessive alleged late fees ; some instances they charged over {$200.00} when the contract clearly states {$25.00} is the maximum ( if proven late ). 
ii. Bank adding the same fictitious late dates iii. Bank violating agreed interest rates iv. Banks violation of Fair Credit Reporting Act due to the banks violation of i-iii How is an item both PAID IN FULL and a CHARGED OFF? We paid the item in full. 

Paid, or paid in full, is the term applied to installment accounts, like car loans, when after the last payment is made and you have completed repayment of the loan as agreed. In both cases, the terms indicate a final status, meaning the account is no longer active and can not be used again. 
An auto loan charge-off represents an amount that the bank or other lender assesses as an outstanding debt from someone who has bought a car, truck or other vehicle on credit. Banks find the charge off amount by taking back the vehicle, reselling it, and sending the resulting amount, minus the sale price of the vehicle, to collection agencies for further attempts at collection.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Chrysler Capital has charged me triple the amount of interest. They have charged me about {$15000.00} interest so far and I still have 36 months on my loan. This was a 72-month loan for the amount of XXXX. I still owe about {$19000.00} on this loan.
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial LLC (MS)

I received a notice of a debt that was supposedly from XXXX from Assured Financial out of XXXX XXXX. 
I called to talk with someone, XXXX, answered the call and became abusive and enraged as it tried to explain to her. 
After calling me names she hung up. 
I tried 3 more times to explain to her, but she hung up each time. 
This was supposed for a knee brace. I have XXXX and two co insurances that paid with notice that nothing else is owing. 
I deeply resent the implication that I am senile and stupid.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

For years now, Ive disputed the account of XXXX XXXX that were placed on my credit reports by Portfolio Recovery. Ive even sent an Affidavit of Truth and was largely ignored. 

Neither, did the company contact the CRAs and informed them that I was disputing the debt and/or proof of the alleged debt, which caused distress and my credit to be affected. 

The most recent communication with Portfolio was on XX/XX/2023, in which I sent an email reiterating that the account doesnt belong to me and was largely ignored. Yet, the account remains.
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

Hi, My name is XXXX XXXX. I graduated from the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Degree in XXXX XXXX XXXX XXXX. 

When I signed up for the school, they told me that I could get a loan through Navient ( XXXX XXXX at the time ) but in order to do that I would need to have a co-signer on my loan. I was also clearly told that 2 years after my graduation date I would have the co-signer off my loan. It 's been 8 years no and I still ca n't get this to happen. 

- I called about 4 years ago and asked them how to get the co-signer released. The agent told me that in order for that to happen, I would need to be making consecutive payments for 1 years and then apply for a " co-signer release ''. 

- I called 1 year after ( and making payments with out fail ) and this agent told me I was mis-informed. That I needed to be making payments of X amount in order to apply for a " co-signer release ''. 

- I did what they asked again, called again a year after and now this agent told me I was mis-informed again about the payment amount, that in order to apply for a " co-signer release '' I 'd need to be making payments of about {$1700.00} a month. I broke down crying and told them they were doing this on purpose, I know they are just doing all they can so I 'm never able to have my co-signer off my loan. Do n't forget, it was suppose to be 2 years after, no one ever told me about these conditions! Not the financial adviser at XXXX XXXX XXXX, not Navient, no one. I would never have signed up for this loan if I know I would keep my mother on the hook for life. This is a true SCAM. 

- I contacted the Mass Attorney General 's office and spoke to a person in Insurance & Financial Services Division. This person contacted Navient on my behalf, and Navient told her that I wo n't be able to apply for a " co-signer release '' because my " debt-to-income ratio '' does not qualify for such. 

- Asked the person at Insurance & Financial Services Division to ask Navient how much money I would need to be making to apply for this " co-signer release ''. She called Navient and Navient told her that they do not disclose this information. That it 's proprietary information. So basically, any time I try to apply they can always say " it 's not enough ''. And in this way, they keep me and my mother slaves of their corporation for LIFE. 


I need to get my co-signer off my loan, it 's enough. 8 Years of this, I ca n't have a good night sleep knowing that even if I die or something happens to me for some reason, my poor mother who makes only enough to survive, will get slammed with my loan on top of my XXXX and will completely cripple her life even further. 


I need to get my co-signer off my loan. IT 'S ENOUGH. 

XXXX XXXX
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

On XXXX XXXX, XXXX I received a letter from a collections agency who said that I owe {$710.00} to an apartment complex they said I did not give a XXXX notice but only a XXXX that I left trash and did not feel my nail holes I have sent the collection agency and the lawyer that is now has the account all the information that I did what I said I did and they say I have not given them proof. They have put it on my credit and no one will rent to me and I will have to move and possibly live in my car.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

THE PROPERTY IS IN THE XXXX XXXX OF DEEDS UNDER NO. XXXX XXXX : XXXX PG : 53, DOCUMENT ID NO. XXXX, WHICH IS REGISTERED UNDER THE NAME OF XXXX XXXX XXXX AND COVERS A REAL PROPERTY ( PARCEL OF LAND ) LOCATED AT XXXX XXXX XXXX XXXX, XXXX MA XXXX, CONTAINING AN AREA OF XXXX SQUARE FEET. THE MORTGAGE EXECUTED IN XXXX WAS DISCHARGED IN XXXX AS EVIDENCED BY NO. XXXX XXXX : XXXX PG : 356.I HAVE ALL BENEFICIAL INTEREST IN THE PROPERTY PER the Voluntary Alienation Deed, dated XX/XX/XXXX ( Agreement ), between me and XXXX XXXX XXXX XXXX AND all persons within this claim have willfully and knowingly interfere with our contractual obligations. The second Discharge of Mortgage in good faith was recorded on Book XXXX, Page 369, Document XXXX, at the XXXX XXXX of Deeds on XX/XX/XXXX. Please see attached filed copy of the Discharge of Mortgage on file with the aforementioned Registry of Deeds for reference. Rushmore Loan Management Services , LLC. acquired this loan on XX/XX/XXXX, while your company should have been aware that this loan was discharged in XXXX. Please be aware that fraud has no statute of limitations, and a careless or negligent act can result in liability for damages inflicted on others. Rushmore never had any rights in this matter where all debts are prepaid. Abusive practices have caused me and my kin unmeasurable amount of distress. Redress must be provided immediately to avoid any further distress. I never had a contract with theses perps. My personal property was taken with force and threats which caused us public humiliation and emotional pain and suffering. The CFPB must enforced our rights in accordance with the law. Please be advise ignorance of the law is no excuse nor defense. We are owed relief for the theft and unlawful usage of our personal property without compensation.
Consumer complaint received 2017-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/XXXX, I entered complaint # XXXX to the CFPB regarding my urgent request for a loan modification by Specialized Loan Servicing. They received all of my documentation on XX/XX/XXXX, and yesterday ( X/X/17 ), I received a " loan modification ''. I put this in quotes, because it was more like a cruel joke than a modification. The reason I needed a loan modification is I 'm unable to afford the {$510.00} a month they 're asking, plus about another {$3000.00}, as I explained to SLS and the CFPB in the attached document. The " modification '' they sent to me is worse than the original problem. They did nothing to modify it - the interest rate and the maturity date remain the same, and instead of {$510.00} a month, they now want {$560.00} a month. If I 'm unable to afford {$510.00} a month, what would make them think I could afford {$560.00} a month? The only modification they made was to wrap up the late charges into the original amount. Also stated in the attachment is the reason that I fell behind. They did not inform me, in any manner, that my monthly payment had changed until XXXX, 2017, when apparently, the new amount began in XX/XX/XXXX or XXXX of 2017. So, the reason I am in the situation I 'm in now is completely their fault, and they are, apparently, unwilling to work with me. As stated before, if they had informed me of the change in payment when it actually took effect, this mess could have been completely avoided.