davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

on XX/XX/XXXX my husband XXXX XXXX received a phone call from XXXX XXXX ( XXXX or XXXX ) representing National Credit Systems Inc she called from an auto dialer with a XXXX area code. We rented an apartment XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX XXXX in XXXX and gave them notice to vacate as we had a new home under construction that was finished in XXXX and our lease was scheduled to end XX/XX/XXXXXXXX we had a balance left over from XXXX rent and I tried to negotiate payments with the in house billing office for XXXX XXXX but they would not accept our terms. I wanted to make a {$50.00} a month payment because at that time that is all we could afford. Those collection efforts started in XXXX we could not reach a resolution so they forwarded our account to collections and we were not aware of this and the collection agency did not communicate with us in writing they called on XX/XX/XXXXdemanding us to make a payment and that if we did not pay full amount or high deposit to start payment arrangement that they would report the account to our credit. feeling pressured I offered to pay {$100.00} we I spoke to XXXX XXXX on XXXX XXXX and then told her would could possibly make another {$100.00} by XXXX XXXX. She said we needed to pay at least {$400.00} to get on a payment plan that would protect this account from reporting to our credit. I called again on XXXX XXXX to let XXXX XXXX know after reviewing our budget we could not afford to pay {$200.00} this month to this account and then she said that she could not protect this account from reporting to our credit and I told her well this is all we can afford right now as my husband was laid off in XXXX. I then went to the NCDOI website to get their license # and I found that National Credit systems incXXXX is not licensed to collect in the state of NC. which is illegal and now I need to go to my bank and have my checking account numbers because I am not paying this credit agency a dime. They are supposed to allow consumers 30 days to respond to their collection efforts and they were not even giving us the opportunity they went straight to threats of credit reporting. I believe her name is XXXX XXXX the collector in charge of my account so if you call speak to an operator who will direct you straight to her line. Unfortunately I am unable to find a physical address.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, On XX/XX/XXXX, I received a statement and was informed the payment would be changed from XXXX to {$8800.00} from XX/XX/XXXX for 25 months ( - {$12000.00} as shortage ). I also found out the calculation of the escrow balance was wrong. Chase escrow department has miscalculated on purpose for over seven years since XX/XX/XXXX. My escrow balance should be {$37000.00}. 1. XX/XX/XXXX : {$11000.00} Total amount of escrow I paid ( XX/XX/XXXX - XX/XX/XXXX ) : {$200000.00} Chase paid tax and home insurance from my escrow account : {$190000.00} The surplus of my escrow account is {$11000.00}. 2. XX/XX/XXXX Temporary Modification : {$19000.00} XX/XX/XXXX : Chase charged the county property tax twice. ( {$18000.00} ) Fee extra charge : {$540.00} 3. XX/XX/XXXX Permanent Modification : {$6400.00} Overcharged Escrow Advance : {$6400.00} 4. I paid {$480.00} more for the payment of XX/XX/XXXX 5.  Total surplus amount of 1, 2, 3, and 4 is {$37000.00}. 6. The discrepancy of the balance is {$49000.00} Therefore, I dispute {$12000.00} as shortage of my escrow account. Chase has been playing around and cheating with my property tax and document fees for over 7 years. I have been calling the customer service, the escalation department, and the executive office for over two months. I have contacted over 30 representatives, but they did not listen to my claim. I urge Chase to correct miscalculation immediately and the surplus amount should be applied to my principal. At the same time Chase should adjust my monthly payment. On XX/XX/XXXX, Chase informed me that there was no mistake and Chase would not adjust the payment.
Consumer complaint received 2017-07-19
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. (OH)

I have tried many times over the past 2 years or more to be placed on an Income Based Payment Plan. Navient will place me in Forebearance and direct me to the internet to continue my application. Once there, I can not complete the application without my husband 's " signature '', but we can not figure out how to include that. He lives with me and we are both aware of and interested in the Income Based Payment Plan. I now owe almost double or more on my student loans than I did when I completed college.
Consumer complaint received 2017-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but Trans Union will  not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TN)

In XXXX I paid cash for a car. Prior to the car being wrecked I had car insurance with XXXX. My policy number was XXXX. XXXX number XXXX. The name on the police is XXXX XXXX XXXX. For verification XXXX XXXX XXXX is the agent XXXX. The vin number is XXXX. The title number is XXXX.
Consumer complaint received 2017-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Midland Funding Llc XXXX are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now Midland has put an additional XXXX XXXX XXXX XXXX with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX  {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XXXX/XXXX/XXXX XXXX. Midland Funding LLC {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX5. Midland Funding LLC {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Cash advance — 
Company: WELLS FARGO & COMPANY (CA)

This complaint is about a {$1800.00} credit card transaction from XXXX/XXXX/2016, and erroneous fees and interest that were charged as a result of this transaction. Wells Fargo Card Services is incorrectly coding the transaction as a cash advance instead of as a purchase. When I first notified Wells Fargo 's dispute department in XXXX 2016, Wells Fargo indicated that they have the ability to reclassify this cash advance transaction as a purchase. As of XXXX XXXX, 2016, these erroneous charges and interest netted to {$92.00} ( {$91.00} Cash Advance Fee from XXXX/XXXX/2016, {$1.00} Minimum Interest Charge from XXXX/XXXX/2016, and erroneous {$10.00} Cash Advance Fee on XXXX/XXXX/2016, and erroneous Cash Advance Refund of {$9.00} refund on XXXX/XXXX/2016 ). The items purchased were XXXX store gift cards ( gift certificates ). In attempt to resolve this issue, I 've called Wells Fargo 's customer service, dispute department, and high dollar dispute department multiple times in XXXX 2016 and XXXX 2016 and have provided them with my customer receipt and merchant testimony that the merchant attempted to process the purchase transaction as a credit card purchase. They tried to deflect blame for this issue to the merchant, XXXX ( dba XXXX ). But it is Wells Fargo that is engaging in unlawful and unethical practices. According to California CIVIL CODE SECTION 1749.45-1749.6 ( a ) It is unlawful for any person or entity to sell a gift certificate to a purchaser that contains any of the following : ( 1 ) An expiration date. ( 2 ) A service fee, including, but not limited to, a service fee for dormancy, except as provided in subdivision ( e ). I contacted XXXX on XXXX XXXX, 2016, and was notified that " XXXX is charging the credit card as a standard charge, and the charge is passed along to the third party bank and being converted to a cash advance charge ''. As of XXXX XXXX, 2016, Wells Fargo came to the conclusion that the {$1800.00} transaction was a cash advance, and proceeded to post the {$1800.00} transaction as a cash advance, along with the disputed related interest and fees. It is unlawful for Wells Fargo to collect cash advance fees from California customers for gift certificate transactions. Furthermore, Wells Fargo has engaged in acts of false advertising by honoring Wells Fargo XXXX points on a similar {$43.00} gift card ( gift certificate ) purchase transaction on XXXX XXXX, 2016 from XXXX. I received Wells Fargo XXXX points from my XXXX XXXX, 2016 XXXX XXXX gift card purchase, and that transaction processed a purchase. I have made numerous purchases from XXXX in 2016 through other credit cards, and all of them have posted as credit card purchase transactions, with the exception of the {$1800.00} transaction. As a credit card user, I should be entitled to XXXX Wells Fargo XXXX points from the {$1800.00} gift certificate purchase on XXXX XXXX, 2016, and should not have to incur the interest or fees due to Wells Fargo 's cash advance coding.
Consumer complaint received 2017-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (AL)

We have a small line of credit with Regions Bank, around {$7000.00}, and received a letter with second and final notice to provide insurance information on our home after changing insurance companies. We mailed the requested information after the first letter was received. We 've asked now a second time for XXXX XXXX to send information directly to Regions. Because a potential {$2100.00} extra is to be billed to us on insurance from Regions, we are contacting CFPB asking if you could help us with communication. Also, when we took out the line of credit, it was not made clear to us that our home was being attached. We signed documents that we were told were based on our personal credit ratings as a personal loan. We remember this as we were told the rate we had to pay the bank was a little higher than the best rate based on our credit scores.
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

i disputed two transactions made on my Wells Fargo debit account. Transactions dates XX/XX/XXXX in the amount of {$3000.00} and XX/XX/XXXX in the amount of {$3800.00}. Both transactions made to XXXX XXXX. Wells Fargo bank did n't do nothing to get my money back, they gave me a temporary credit of {$4800.00} and than after a month they deducted it back from my account. I disputed this transactions and i want my money back but my bank did n't help me so please help me get my money back
Consumer complaint received 2017-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX x2, XXXX XXXX c/o XXXX x1,  XXXX XXXX XXXX x2 are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now XXXX has put an additional GE capital retail bank with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XX/XX/XXXX 4. XXXX XXXX XXXX {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Mortgage was forged at closing. I reviewed the truth and lending document and realized that the truth and lending document was forged. It is not my signature. I checked with the law offices of XXXX XXXX XXXX to advise him of the same. However he was arrested and disbarred for mortgage fraud in NJ. I brought the same to the attention of XXXX and Wells fargo however WElls fargo said its not their problem. How can Wells fargo even consider me for a modification when the loan is bad at the root? I paid all points at closing and In the APR of the loan and interest should be the same or relatively in the same ball park. However its not. My loan needs to be reevaluated and rewritten in order to make it affordable for me as it should have ben this way in the beginning. Please see attached documentation.
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

AES claims that I owe them an amount ( and will not disclose if this amount is the final amount or if I will owe more in the future ) on my private loan consolidated in XXXX through XXXX XXXX now XXXX. AES claimed I refinanced not consolidated in full, so I owe them money. I have paper work showing they were consolidated in full and emailed these documents to AES. They never replied but continued to harass me with phone calls after I asked them to stop, and ruining both my credit and my co-signer 's credit. Neither company upon request will contact the other on my behalf. This has been going on for over a year. I make a monthly payment of $ XXXX to XXXX every month. I feel that I am being responsible for paying my student loan on time. My private loan to XXXX is over {$25000.00}. AES wants amounts of {$290.00}, {$130.00}, {$270.00}, and {$170.00}. They tried to collect with a lawyer and I contested asking for proof. All I received were the original loan documents not any paper work on the consolidation or so called refinancing. All the paperwork AES sent states that the last day of payment was XX/XX/XXXX. XXXX is when I consolidated my loan with XXXX/XXXX XXXX. The original principal balance of the consolidation loan I took out through XXXX XXXX was {$32000.00} and the paper work says paid in full. The loans paid in full were through XXXX XXXX/XXXX XXXX XXXXXXXX. One at {$8000.00} in XXXX, {$3500.00} in XXXX, {$8000.00} in XXXX, and finally {$5000.00} in XXXX. I have tried several means of communication and I give up. My next move will be to find representation if this is not settled in my favor. I received a letter from AESnon XX/XX/XXXX, stating they received a directive from my lender to delete trade lines assoc with my loans issued by NCT. I thought the worst was over. However, my husband and I are trying to get a mortgage through our credit union but my score is too low. I called AES and they said their accounts show me as defaulted and they have turned the matter over to NCT. AES claimed no knowledge of my letter from AES ( on official letterhead stationary with all my account numbers ). Meanwhile non of these companies will contact each other and I am being abused. Please help. Thank you for your time.
Consumer complaint received 2016-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (PA)

this account is old, and should have been removed. it appears to have been transferred several times, they mention continue to update as un paid on my credit file, what for the rest of my life. another threat involving my way of living. amazing how I 'm following the law and getting robbed and bullied, controlled.
Consumer complaint received 2016-07-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Resurgent Capital Services L.P. (TN)

A credit card company levied a garnishment against my savings account for XXXX dollars. The judge ordered this levy and searching my social security number, located my checking and savings account with XXXX. I receive XXXX a month in government XXXX. I only had XXXX in my account. The bank debited my account and took the XXXX. I 'm sure this is not legal. Should I sue them or just demand they reimburse my account for the money they gave the credit card company?
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I disputed information on my Credit Report with Experian and XXXX. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.
Consumer complaint received 2016-07-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OR)

I received a revised XXXX form from an online banking company earlier this year. It said the income they had said I earned in 2014 was not correct ; that they had made a mistake and I actually earned {$19.00} less than what was originally stated. I contacted them, and was assured this was not a mistake. In order to make my 2014 tax revision, I have had to gather online banking and credit card statements, as well as invoices from an online auction company I sell items through. This has led me to find MAJOR discrepencies in the accounting of these accounts ; recurring payments have been omitted, charges I did not make are on my statements and transaction records, and my invoices have been altered by hand, and are not in the correct document format. I have contacted all of these institutions, to no avail -they all assert that no fraud has occurred. My bank also issued a " standard '' form letter to me, saying, in part, that because I made regular payments, there was no fraud. Please advise me on this most distressing matter.
Consumer complaint received 2016-07-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC (CO)

On XXXX XXXX, XXXX, I agreed to a settlement to pay XXXX XXXX XXXX in the amount of {$2000.00} through the means of automatic payments from my checking account in the amount of {$120.00} a month. 

They have continued to automatically take $ XXXX/month even after the agreed amount of {$2000.00} has been paid in full. 

As of XXXX/XXXX/XXXX, they have automatically taken a total of {$2500.00}. 
They took {$500.00} more than what was agreed to and have not stopped automatically taking {$120.00} a month from my checking account. 

Last withdrawl took place on XXXX/XXXX/XXXX and first was taken on XXXX/XXXX/XXXX. This is a total of 21 months in which {$120.00} payments were automatically removed from my checking account.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FORD MOTOR CREDIT CO. (TX)

Ford Motor Credit ( FMC ) wrote me in response to CFPB complaint XXXX. Their letter states that they have not reported my XXXX payment as late. See where I have highlighted on page XXXX of FMC response " Please know the XXXX 2014 payment was NOT reported as delinquent as the payoff was received before the the payment went 30 days past due ''. 
The XXXX 2014 payment is showing as 30 days late on XXXX, and XXXX. I have attempted to resolve with the credit reporting agencies. Their response is always that FMC has confirmed the information is correct. I have contacted FMC directly and they have stated they will not change anything because it is reported correctly. I even offered to send FMC the letter they wrote. They said this would not help. I have been going back and forth with this for over 8 months to no avail. 

Some XXXX help please!