davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I 'm having difficulties with Navient, they do not show you the actual monthly amount owed on their payment portal for each loan, instead they bundle their crazy late fee 's together with the monthly payment making it impossible to see what is the breakdown of what you the actual minimum amount owed per month versus the crazy ( should be illegal ) late fees. In XXXX 2017 my payments changed, I was not provided any monthly statement showing what the actual payments would be. I contacted them, was given my new payment amounts over the phone and I made those payments. Apparently because I was off by {$1.00} they did n't notify me and they simply add the late fees to keep charging money. For the last three months they have been changing my minimum amount owed causing me to call in to get the actual payment amount because they do n't provide detailed statements. When asked why I do n't get monthly statements i am told they are being sent to my mailing address - the address is correct but they do not make it to my house. Every time i ask customer service what 's going on and how to fix it they tell me they are unable to help me. They are also unable to help me with the customer portal " because they do n't use it ''. My email was incorrect last time I called again ( they already had my email correct before ) and had to be corrected again. For some disturbing reason they do not show their late fees on the online statement, only the amount owed on the actual loan. As of X/XX/17, I have late fee 's going back to the beginning of the loan when i missed a few months, in the amount of {$660.00} + {$920.00} on two loans ( late fee 's alone ). It should be legally required that these providers demonstrate every month a breakdown of all the fee 's they are charging, instead of just stealing money because they have a government backing.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This reason I am filing this complaint is to request an investigation into XXXX XXXX XXXX mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that XXXX XXXX XXXX correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.
Consumer complaint received 2017-07-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (NV)

A reverse mortgage was taken on the residence in XX/XX/XXXX. The mortgagee died in XX/XX/XXXX. As a trustee of the estate, I have tried since XXXX to get the payoff amount on the loan, to pay it off so the house can be sold. The company, American Advisors Group, has stalled and avoided providing this information since XX/XX/XXXX and it is now XX/XX/XXXX. I have been told the the payoff amount will be sent within 7 to 10 business days at least 3 times. Each time the payoff amount changes before I can get the payoff on the loan. I have since found a buyer for the property and the American Advisors Group ( Reverse Department ) then required their company to do an appraisal on the property. This took several weeks and I am now having the same trouble getting the appraisal from them. I have spoke to several customer service representatives regarding this issue and each time there has been an error on their part to include sending the information to the wrong email address! My frustration has peaked and I asked to speak to a supervisor to get the problem resolved and get both a payoff and a copy of the appraisal. I was again told 7 to 10 days before it could be sent. I spoke to XXXX who claimed to be the supervisor and she told me that nothing could be done and that their procedures involved other departments and the 7-10 day timeline would still be observed even though the mistake was theirs, meanwhile the interest on the reverse mortgage continues to grow and consume the equity left in the property. I asked to speak to XXXX 's supervisor and she refused to accommodate the request and said that it was n't necessary and that she was the only supervisor necessary for me to talk to, preventing me from escalating a complaint. This is a clear stall tactic being employed by the company to delay the payoff of the loan and to bolster their profit. There is no recourse or process available internally to get American Advisors Group to provide timely service on such a predatory tactic, contacting an actual supervisor to file a complaint is impossible at this point. I am begging for assistance through the Consumer Financial Protection Bureau. Please help!
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I received a statement from Visa with a closing date of XXXX, balance showing was a credit of XXXX. I thought a vendor was going to mail me a check for a refund but they credited my Visa account. On XXXX I paid Visa my statement balance and I realized I was going to have a problem with a credit balance if they received the XXXX. They told me they had not received it. I have called numerous times for my refund and the best I am told is that I will get it but no time frame as to when. The reason is, " the amount is too large ''
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc. (FL)

M.G. Credit is attempting to collect on a debt that was dismissed by   XXXX   County Courts   per the petitioner for the debt. The monies allegedly owed are also being reported on my credit reports as well. Document clearly show PLAINTIFF ASK THE COURT TO DISMISS, WITHOUT PREJUDICE PLANTIFFS COMPLAINT FOR EVICTION AND DAMAGES, PURSUANT TO RULE 7.110 ( A ) ( 1 ), FLORIDA RULES OF SUMMERY PROCEDURE, FILED AGAINST THE DEFENDANT,   XXXX   XXXX   XXXX  , Signed by   XXXX   XXXX   XXXX   XXXX   and list his name address and phone number. I am uncertain why this debt is still being requested in addition to being reported on my credit reports with  XXXX ,   XXXX    and  XXXX .
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/XXXX and XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BWW Law Group, LLC (MD)

XXXX XXXX and XXXX XXXX has hired another attorney to intimidate and threaten me after their admission to forged signatures and fraudulent documents in XXXX City Circuit Court.
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The following is complaints for BWW Law Group and XXXX XXXX 1. Candor Toward the Tribunal Rule 19-303.3 - BWW Law Group accepted XXXX as a client with knowledge of forgeries and fraudulent documents. The admissions are attached on 3 separate statements the admission was made. ( see forgery statements attached ) - BWW Law Group accepted XXXX as a client with knowledge of a Forensic Document Examiner 's report that my ( XXXX XXXX ) signature was forged. Though the Circuit Court judge ruled authentic signatures, there is a claim filed with Judicial Disabilities.
( see Forensic report attached ) - BWW Law Group/ Attorney XXXX was aware of the mortgage payment discrepancies Attorney XXXX stated in 3 letters that the amount is {$130000.00}. XXXX and XXXX XXXX submitted court documents that the amount is {$160000.00}. ( see attached discrepancies.
- BWW Law Group and XXXX XXXX fraudulently submitted a validation of debt after XXXX XXXX  submitted an affidavit that the note was lost. ( See affidavit attached ) 2. Respa Violations -XXXX and XXXX XXXX submitted 5 different versions of settlement sheets, presented in court with differences in loan amount, contract sales price, amount due from borrower, signature of borrower and date signed.
- The deed was notarized one year after the alleged settlement date.
-The deed was recorded 8 months after the alleged settlement date.
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3. Violation of Federal Debt Protection Act - XXXX has trespassed on my property leaving a notice taped to my railing.
- XXXX representative told my neighbors I was being foreclosed on within the past 30 days. The harassment has been extreme I have filed 2 Cease and Desist.
- I have received threats from local XXXX # stating that I will be out on the street 4. Violation FTCA - BWW has called my work number at least 5 times. These were the threatening phone calls. I have returned to XXXX after living through this horror with XXXX XXXX  threats for years.
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I have maintained from the time that I received the fraudulent validation of debt documents that this is not my note and this is not my deed. My name has been placed all over someone else 's debt.
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Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX, 2017 I wrote XXXX, XXXX and TransUnion about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I called Experian to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,   XXXX   ) that does not belong to me.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (WV)

On these dates things was purchased that I was n't aware of and didnt pay for myself. I was unaware of this until I looked at my account. I thought I was loosing money but I did n't know how or where so please help me get it back.   Date :  XXXX   XXXX     2017 amount : {$75.00} Date  :  XXXX   XXXX     2017  amount : {$50.00}
Consumer complaint received 2017-07-11
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: CITIBANK, N.A. (CA)

There was an inquiry on XX/XX/XXXX from CBNA/BBY and they have been continuously doing this every month. Currently, my wife and I are in the process of buying a home and obviously any inquires can hurt our position. We did not ask for an increase or a new credit card from them and do n't know why they would pull credit on XX/XX/XXXX and do it every month.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AR)

I was told that the mortgage is a Daily Simple Interest Loan which means there is no set late fee but rather every day they do n't receive the payment is another day of interest. I 've noticed that the payment is not processed in a timely matter at all and I 've mentioned it to U.S. Bank Mortgage but they do n't want to listen to me. For instance, I mailed the mortgage payment on XXXX XXXX, 2017. Today is XXXX XXXX and the payment has n't been processed yet. The payment was past due on XXXX XXXX. This has gone on for several months costing me and my fianc a lot of money in interest while not paying the principal down. My fianc and I can not be at the whim of the bank 's processing department. It is my assumption and claim that the payment is in a processing bin at the bank with hundreds of other unopened payments and the longer it stays there the more interest the bank makes. They are in no hurry to process the payment. My fianc and I are going to schedule a meeting with a local bank rep to talk about this. I would like to set up an automatic ACH payment but we like to send in a variable extra principal payment and not a recurring amount. Thanks for your assistance.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

Hi I am writing to complain about some money that I lost in a BMO Harris account. I tried to make two payments for my auto insurance to XXXX XXXX. After almost a week my XXXX XXXX account still have not received payment. I contacted XXXX XXXX and got to run around so I just put a stop payment on both payments. I was then charged for for total stop payments. The amount in question is around {$800.00} So then I tried to initiate two more payments to XXXX XXXX. The money was again deducted from my account but XXXX XXXX never received the payment. I never saw the deducted amount again and I finally had to close my account with BMO Harris because I was afraid that after being double-charged and losing money that they would do something even worse. I have contacted BMO Harris and they do n't know anything about the {$800.00} which was deducted for a second time and never paid. They just state that it was covered by the original stop payment. So somehow I think they were applying to stop payment to my second attempt at payment and then deducted the funds and just plain lost them. Please advise and thank you XXXX XXXX
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I h ad a conventional mortgage until recently. I was serviced by   XXXX   XXXX   XXXX   XXXX  . I  was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due   XXXX   XXXX       2017     which I paid in a timely manner. The next payment was due    XXXX   XXXX   2017 w hich I also paid in a timely manner. When I contacted Equifax,   XXXX   and  XXXX , after selling the property in    XXXX   2017, to  make sure tha t  XXXX  w as no longer reporting the mortgage as having a balance, ( I sold it      XXXX   XXXX  , 2017 ), I  discovered tha t Ocwen had reported that two pa yments in     2017   as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment f or   XXXX   XXXX  , 2017, w as paid. In addition, I paid  XX/XX/XXXX  payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in    2017.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (PA)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$96.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

Boug ht   XXXX    XXXX  at    XXXX   XXXX   and financed them, I guess throug h Citizens Bank.   Payments are hitting m y    XXXX   XXXX   credit card monthly  (   XXXX   pa yments each month ). I have never received any statement, have no idea what the account number is, the balance, etc. I attempted to find the loans o n the Citizens website, ho wever I do n't have any account number. Attempted to call, they could not locate the loans. I have n't received anything on either of these loans ( no disclosures, statements  ), the only thing I get is an auto email each month telling me that the payment is being processed. I have no idea what the rate is, the APR is, or the term is. Because I was never giv en disclosures with this information, I should not have to pay the loan.
Consumer complaint received 2017-05-26
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: Experian Information Solutions Inc. (VA)

I am having an issue obtaining my credit report with Experian,  XXXX  and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one  of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX     2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

XXXX college mislead me, i was supposed to earn a " complete " diploma upon completion of the XXXX XXXX course, however after completing the course with XXXX XXXX i heard from multiple employers that i needed to take additional courses to obtain a XXXX XXXX position. Unfortunately i encounters around 18,000 of debt from the XXXX course. And immediately after completing i became unemployed for months and months i never received advice or options for repaying the loan during my time unemployed i was only offered forbearance agreements which lead me directly to collections and I am so lost.
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Since my student loan accounts have been taken care of by Navient, every time I have tried to get on some sort of repayment plan based on income, they have pushed me towards forbearance or deferment. Because of this my loans have racked up a lot of intrest.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Q   uick
en Loans needs to be investigated relative to their deceptive practices on offering their current customers refinancing as their practice prolongs the debt for the consumer and puts tens of thousands of dollars ( per consumer ) into Quickens pocket for miscellaneous fees. This practice also puts consumers in an unfair position relative to the housing market ( little to no equity ) and increases the amount of risk for both the lender and the consumer. About 4 years ago I financed my house with Quicken Lo
ans. Every year since they call me to refinance my house promising cash back and lower interest rates. They quickly collect a {$500.00} non-refundable refinance/appraisal fee up front and then drop you into the process.
In year two, I decided to take the plunge after being told I could take a large amount of equity out of my house and that my interest rate would be lowered ( same pitch as the previous year ). Upon providing Quicken {$500.00} to handle the appraisal, I was provided a breakdown of the forecasted transaction. This transaction did not show ANY cash back. In fact, it showed me paying roughly {$21000.00} in refinance fees to Quicken and a significant increase in my monthly mortgage. I immediately contacted the Director via email and told him what was going on. After multiple attempts at contacting them, they never contacted me back to resolve the issue. I cancelled the transaction and requested a full refund as I had all of their promises in writing. It took me contacting the Office of the President to get the matter resolved.
Each year, they continue to call me with the same sales pitch. I block th  eir number only to have them roll their number and continue to har  ass me with daily calls and emails. This practice is HIGHLY deceptive and has the ability to quickly put the consumer upside down in their mortgage. This should be illegal and is very unethical AND SHOULD BE ENFORCED by the FTC as Quicken uses this model to continuously pump enormous fees into an already existing account, while resetting the mortgage loan to day zero so people have no equity and never get out from under their mortgage loans. This also puts our economy at risk!
This practice is a violation of the UDAAP Act and their contact practices are also a violation of the TCPA laws. Consumers should beware before paying any fees upfron  t.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is trying to dictate who I have as an authorized 3rd party on my file. SPS can not dictate who I choose to have handle my financial matters, this is not up to SPS this is up to the borrower. SPS must immediately CEASE and DESIST all demands as to who they say I have to authorize for my short sale request. If I do not wish my listing agent to be an authorized 3rd party then they will not be an authorized 3rd party.