davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MN)

I contacted Chase Mortgage XX/XX/XXXX to provide new account information for my mortgage auto payment. I completed the form and faxed it back the same day I received the form. I spoke with an agent who confirmed the payment would be taken from my new account on XX/XX/XXXX. On XX/XX/2016, Chase tried to take the money from my old account and I incurred a {$29.00} fee. I called Chase and they said I needed to complaint the form again and they would not reimburse me the {$29.00} fee. I tried to write a complaint to their executive office but after 10 minutes of trying to locate the information on their website with no success I gave up and filed this complaint. Chase screwed up and did not take the money from the right account and now I 'm charged an overdraft fee that I would never incurred if they had not screwed up. I think it is horrible customer service to not reimburse the fee for there mistake. Why should pay {$29.00} when I did everything right. I contacted them in more than enough time for the payment and even spoke with someone to confirm the new payment information. Now they want me to complete the form again. What kind of confidence should I have that it will bec completed this time and I wo n't have this problem next month. Horrible horrible customer service. I want to reimbursed my {$29.00} fee for their mistake.
Consumer complaint received 2016-02-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (TN)

I am writing a formal complaint against XXXX XXXX XXXX and LenderLive. I closed on my home through a VA Loan on XXXX XXXX, XXXX, through XXXX XXXX XXXX ( XXXX ). XXXX started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents XXXX XXXX XXXX. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from XXXX XXXX XXXX. XXXX 's letter makes no mention of Lender Live, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to Lender Live to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship LenderLive has to XXXX. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names XXXX XXXX XXXX, XXXX, and CENLAR. My concern with XXXX is that my VA XXXX is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of XXXX XXXX XXXX and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (UT)

I received a letter from Convergent Outsourcing , Inc. stating that I owe {$100.00} to XXXX. I explained that I do n't have a XXXX account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Data Corporation (TX)

I had outstanding checks with my bank, I paid the checks in full and closed the account. I sent the collection agency a letter from the bank stating such. They continued to say I owe the debt. I sent a cease and desist letter certified, and they are STILL contacting me.
Consumer complaint received 2015-07-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bepensa Capital, Inc. (VA)

I purchased a vehicle 1 year ago the vehicle in the past 4 months now has been having start issues thinking it was something wrong with the car I spent money trying to fix it i then took the car to a mechanic shop who determined it was the past time sensor. I took the car to get a second opinion who also determined this. I contacted the company about 1.5 months ago to get this fixes the Company since then has been giving me the run around saying the company they use is based in Florida and have to call around to get an installer in my area. I asked the manager who I have been dealing with XXXX what would happen to the repair bills, tow bills, and lost of work they stated that they could not give me an answer from there it has been call after call with noone to help and everyone XXXX me around with no answer i finally took it to the place the recommended and the gentleman said he could not recreate the problem because the module had been disconnected for so long. I explained this to the bank so because of all the trouble said they would defer 1 payment for me i did n't realize what she meant because she was making it seem that they would cover the payment vs reimbursing me. I have every conversation with this Company and they are very unresponsive, rude and do not want to reimburse me OR help me with the situation.
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (VA)

In 2013 I was having some trouble making all the required payments on my consumer loans. I contacted American Express to discuss arranging a payment plan. I realized that I had accumulated a large number of points on my XXXX Amex card, that I also hoped could be used as a credit towards paymrnts. I was initially told this would be ok, THEN I was told it would only be OK if I made a large payment immediately on the card. I felt bullied into the transaction, and complied because I wanted to keep my points balance and keep the card open. After the payment, Anerican Express refused to honor the points balance and closed the card.
Consumer complaint received 2016-01-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Which address? 

The law says I have 30 days to respond and dispute a debt but I must mail the debt collector a dispute letter. 

In the collection letter XXXX of XXXX, AL there are XXXX different addresses on their letter, which XXXX do you use? 

If you do n't respond to the correct address the collection firm assumes the debt is valid. To protect yourself you must mail all three addresses. 

That is ridiculous. All debt collection agencies should be required to clearly print their name and address used to receive disputes printed using same font and size as the largest type used in the letter.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (CA)

I lodged a complaint with the CFPB against this firm two months ago. I have also challenged this tradeline with the XXXX credit bureaus since XX/XX/2015. This firm has not resolved my complaint with the CFPB, yet they continue to report this tradeline to the credit bureaus. They know that they do not possess proper documentation for this account and are thumbing their nose at laws intended to protect consumers. Please force them to delete the offending tradeline until adequate, legitimate validation is proved. The original complaint is below : JH Portfolio Debt Equities is reporting bad debts to XXXX and XXXX without providing verification of debt in violation of the FCRA & FDCPA. JH Portfolio Debt Equities must verify said debts with full account statements supporting amounts claimed, including manner and date of last payment, manner and date of last purchase and calculation of amounts claimed including interest calculations.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

My understanding is that I have a right to cancel the PMI on my home mortgage, since my LTV is less than XXXX %, but my mortgage company denied my request, stating that my LTV is XXXX %. 
I have requested them to provide me an explanation on how they calculated my LTV, but I never got a response from them.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (TN)

I opened a PayPal credit account 2 years ago because I was offered {$10.00} off my first purchase. I thought I had paid it but was contacted a few months later saying I owed the balance plus interest. I was confused because I had never been contacted before that and had n't seen any balance owed in my paypal account. I paid the balance and asked to have my account closed because I did n't need it and did n't want it. I just received a phone call from a collection agency stating I owe over {$50.00} for an item that was charged a year ago plus interest accrued. It was my understanding I had closed this account months prior to that. I received no contact from PayPal stating I owed them anything at any point in time, nor do I remember ever making a purchase on the credit account. My account always showed a {$0.00} balance when I would log in online. Looking online I see they have gotten in trouble for doing this to many people. I have spoken to them over the phone and they are unreceptive and push me off to the collection agency, who is also unreceptive and pushes me back to PayPal, who pushes me back to the credit agency and so forth. When I referenced that I read many other people were having this problem with them as well they played dumb and denied it. Very shady. These people should not be allowed to do business. What 's more is I have a collection agency after me at a time that I am applying for a mortgage for my first house! I 'm upset that this could hurt my credit score. Please help!
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I have gotten bill/statement for ( dental ) services I did NOT receive. The ONLY ( dental ) work done in XXXX 2015 by XXXX XXXX, was XXXX ( XXXX ) dental XXXX whose price was quoted to me at XXXX dollars ( {$1100.00} ), yet I got a bill/ statement in the amount of XXXX XXXX XXXX dollars ( {$6000.00} ). Not only has my dental condition WORSTENED, I have NOT been able to be seen by another dentist, and my credit has been NEGATIVELY IMPACTED & gt ;
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: MacDowell & Associates, Ltd. (GA)

MACDOWELL & ASSOC FILED GARNISHMENT FOR DEFT OUTDATED SINCE 2008 AND NOT COLLECTIBLE PER GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-25 AND VIOLATED FCBA WITH XXXX DIFFERENT COMPNIES DEMAND PAYMENT ON SAME ACCOUNT ; AS WITH " XXXX AND XXXX XXXX XXXX '', COMPANY FAILURE TO SEND ITEMIZE VALIDATION OF DEBT OUTLINED AND OR SIGNED APPLICATION OF ALLEGED DEBT
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Brennan & Clark, Ltd., LLC (IL)

I have been receiving numerous threatening phone calls and messages from this collection agency Brenman & Clark and when I finally decided to talk to them, the person disclosed personal information about me that I was very uncomfortable with. For a moment I thought it was a scammer. This person was extremely rude, threatening and continues to harass me.
Consumer complaint received 2015-09-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have XXXX loans that are being serviced by AES. Due to the ridiculous 12 month limit for forbearance, I no longer have any forbearance as that was used when I went on maternity leave with each of my XXXX children. I have been unemployed for over a year and have done my best to keep up with the payments. I am a point where I can only pay for XXXX of the loans. I thought I was making the payment for XXXX loan, but as it turns out, AES was applying the payment I was submitting to both of the loans. Obviously, the amount was not enough to cover both loans. All this time I thought I was keeping up with at least XXXX loan, but just found out that my payment was being dispersed to both loans. Now I am delinquent on both loans. The loan I was trying to keep up with has a co-signer that I did not want to ruin their credit due my unemployment. I called AES and explained my situation but they refused to adjust the payments to the XXXX loan I was trying to keep current. By looking at the payments I have made, it is obviously to anyone looking at the amounts due on each of the loan that the payment amount matches XXXX of the loans ... .the XXXX I intended to pay. As a result of this obvious mistake I now have XXXX delinquent loans instead of XXXX AES refused to do anything to remedy this situation. 
This is the reason student hate private lenders. They refuse to work with you even when it 's obvious that a mistake was made. Something needs to be done about them because this type of situation is ridiculous! For those of you who are dealing with AES ... be sure to specify your payments otherwise they will distribute your payment in whatever way they want, not the way you want it. Apparently you can not make any mistakes when it comes to private lenders.
Consumer complaint received 2024-09-03
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. (NY)

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 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

This is in addition to the complaint we already have. Complaint # XXXX. Wells Fargo has placed a specialist to handle our case. The problem is that this specialist by the name of XXXX has very little knowledge about our account with Wells Fargo. On a telephone call she claimed that we have filed only XXXX Modification, we told her that it has been XXXX Modifications. She persisted in insisting that it has only been XXXX. How could Wells Fargo place someone over our case who does not have knowledge of our account. We spoke to a XXXX XXXX and he asked if we wanted another specialist assigned to our case, we answered yes. But XXXX XXXX then denied us this opportunity to have someone with knowledge of our account take over. First he offers a solution then denies the solution we ask for.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I sent all three credit bureaus Experian, XXXX XXXX XXXX numerous requests to reinvestigate inaccurate information pursuant to FCRA 15 USC 1681 et al. They have yet to provide me with a correct updated credit report. The items in question shows several inaccuracies related to an account by XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX. 

The inaccuracies include the following Date of Last Activity is inaccurate EXPERIAN date of last activity is reported as XX/XX/XXXX, XXXX date of last activity is reporting as XXXX { XXXX, and XXXX XXXX reporting the date of last activity as XXXX. This can be a sign of re-aging the account. 

Next, inaccuracies as it pertains to this account is the following : DATE REPORTED IS INACCURATE EXPERIAN date reported is shown as XXXX, whereas XXXX date reported is shown as XX/XX/XXXX, and XXXX date reported as shown as XX/XX/XXXX. 

Lastly, the LAST PAYMENT DATE lS INACCURATE, EXPERIAN last payment date is reporting as XX/XX/XXXX, whereas XXXX last payment date is reporting as XXXX { XXXX, and XXXX XXXX reporting the last payment date as XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and it is my understanding you will investigates these items for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX XXXX XXXX
Consumer complaint received 2016-03-12
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

XX/XX/XXXX I reported that Carrington Mortgage placed on my credit report that my mortgage loan ( XXXX ) was discharged under bankruptcy. I stated and explained to XXXX XXXX, Customer Advocate for Carrington MS , that my mortgage with them was never placed under chXXXX or any other bankruptcy relief. We spoke on the phone and she said that this information will be taken off. When I later checked it had been corrected. Today, XXXX XXXX, XXXX, I was looking at my report and see that this bankruptcy discharge information has been placed back on my account.
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I disputed a debt the debt collect witch represent themselves as law firm is in the business of collecting debts. I disputed the validity of the debt and requested specific information to validate the debt. I provided proof of why I disputed the debt and questioned the financial charge they were attempting to collect and asked the collector to validate the debt. I sent my request in writing and return receipt. Proof of that mailing I also requested the collector after XXXX XXXX, 2015 only communicate with my attorney. Provided contact information in that letter of my attorney. As of the filing of this complaint I have receive to demands for payment directly. The letters are carefully crafted to give impression that legal action will be taken but the debt has not been personally review by an attorney. The letterhead represents themselves as attorneys. 

These demands for payment states that I also failed to respond to request for information this is also a false statement. 

I have include copies of both mailing from the collector and my responses to the original claim of the debt. I had to mail them twice be there was refusal to accept my original and it was returned to me. 

I have included scanned copies of the returned mailing both of my letters. This firm has violated the act by communicating directly with after I specifically request them to address there responses to my attorney. 

If you will provide me with an email address or other process to send you copies of following:1 USPS returned receipts2. Copies of USPS receipts that have deliverary tracking numbers3. additional copies of letters sent to collector4. Copies of letters received from collector after my letters requesting they only contact my attorney5. Copies of my letter to my attorney that I requested them to be contacted.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma (TX)

XXXX POSTED AN ACCOUNT ON MY CREDIT REPORT AND I NEVER RECIEVED A LETTER OR A CALL REGARDING THE ISSUE. I HAD NO IDEA ABOUT THE ACCOUNT UNTIL AFTER THEY POSTED THE ACCOUNT ON MY CREDIT REPORT. I WAS NEVER LATE WITH THIS ACCOUNT AND I SUBMITTED A 45 DAY NOTICE OF MOVING OUT TO THE APARTMENT COMPLEX. NOW THAT I FILED THE DISPUTE ON MY CREDIT REPORT, XXXX RECIEVED MY PHONE NUMBER FROM THEM AND LEFT A VOICEMAIL STATING PERSONAL AND PRIVATE INFORMATION. THEY STATED IN THE VOICEMIAL REGARDING A DEBT WHICH VIOLATES MY PRIVACY. THE PHONE NUMBER THAT XXXX CALLED ME FROM IS XXXX. MY ISSUE IS WITH PRO COLLECT VIOLATING MY PRIVACY AND NOT PROVIDING DOCUMENTATION OF A DEBT WITHIN A TIMELY/ LEGAL MANNER.
Consumer complaint received 2015-12-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (PA)

I made my XXXX payment to Exeter Finance Corp by check and it was not credited to my account. I have faxed and emailed a copy of the check that cleared my bank weeks ago and they are still calling me 4 -5 times per day for the payment and are threatening to repossess my car.