davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I filed a dispute with Equifax due to false negative item on my report. The confirmation number for this dispute is : XXXX  for the amount of {$2300.00} ( monies owed to landlord ). I called them on XX/XX/XXXX to check on the status of the dispute. The agent informed me that the company was able to confirm the accuracy of the item ; however, they never contacted me via phone, mail, or email to advise me of this information.I even went online to check on the status, and it had no status pending. To my understanding, they have 30 days to respond and give me the results of the dispute. After speaking with an Equifax representative, they informed me that they can send a copy of the dispute resolution via mail/email ; I never received the documents. I 've been dealing with Equifax for 6-8 months and they never respond to me, unless I report them or call to complain. As Americans, our entire livelihoods somewhat revolve around our credit score. So as of XXXX ( today ) I filed another dispute for the same negative item with Equifax and my new confirmation number is XXXX. If something is wrong or incorrect, it can impact our lives tremendously. The negative item does not belong to me and is not my responsibility. I reached out to XXXX XXXX XXXX ( the debt collecting agency ) and they also said, there 's nothing they can do. I, honestly, do not know what I should do next, which is why I 'm reaching out the the CFPB.
Consumer complaint received 2017-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (UT)

I am having multiple difficulties in re-paying my student loan. Its been 17+ years since I have completed my XXXX degree. At the time of graduation, finding a job proved to be difficult for a recent graduate without very much work experience. So, at that time, I had to request a forbearance on my student loans. I also went through phases in consolidating my loans to XXXX XXXX XXXX XXXX to  make the repayment process go smoother. Intermittently through out the last 17 years I have made payments on my student loan which initially amounted to $ XXXX. However, with all the forbearance actions I was not under the impression that my loan would be capitalized when I was applying for extensions due to the amount of the loan and the re-payment plans available. My loan amount has almost doubled at $ XXXX. So, as time went on I have taken advantage of the Public Student Loan Forgiveness Program since I have been working for the Federal Government for 17 years. My agency was not generous as what people might think about granting tuition assistance or re-paying their employee 's student loans as part of a recruiting and retention program. So, as I struggle to pay back the loans, the PSLF program has offered a way for me to complete. Anyways, what I did not know and felt deceived is the number of payments on my account that were not credited. My loan originated with the XXXX XXXX XXXX and was transferred to XXXX XXXX & XXXX. Only a portion ( 8 )  payments from XXXX within the last year before I applied to the PSLF program were accepted and counted against my PSLF from the past 15 years. I also did not realize that if you are one day late in making your payment, that payment is n't credited as well. So, with this I feel robbed that all the payments I have made are not being credited properly and therefore caused to make more payments than what is needed for forgiveness in this plan. As time goes on and with my limited income with the Government being politicized it feels that the struggle to make my student loan payment is worse. I have tried to work with my lender, the thing is I am hearing impaired and the preferred method of contact is by email. My lender 's customer service is not receptive and often times my inquiries are not being acknowledged for weeks or sometimes not at all.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo, was contacted several times regarding a debt on my credit profile for {$3500.00}. 1 ) Provided the identity theft report/documents 2 ) Proof of resident and employment in VA ; therefore the account was open in Florida ... 3 ) Contact Wells Fargo again, again and again ; the retaliation was placing this derogatory information with XXXX XXXX XXXX ( XXXX ) and they are asking for {$380.00} to investigate. 4 ) My bank account was closed because of Wells Fargo. <P/>Please advise.
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonded Collectors of Wisconsin, Inc (WI)

XXXX XXXX, 2017, I contacted Bonded Collectors in XXXX, WI., to try to set up a payment plan. XXXX, the agent I talked to, said he would not accept the $ XXXX/month that I offered and said that I would be in contempt of court and that my wages would be garnished if I did't pay this debt off.
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase bought my mortgage from a bank that went out of business, I became deliquent, cured the deficiency with in the amount of time allowed yet they proceeded with a foreclosure. I tried to obtain a modification to no avail as they sold and resold the servicing every time I was in the middle of trying. At the same time JP Morgan Chase had a law firm they retained proceed with the foreclosure. I repeatedly tried to contact JP Morgan Chase to discuss the mortgage the Judgement they obtained during court proceeding that I had no knowledge were even occurring. Each time I tried to contact JP Morgan Chase they claimed they had no interest in the property. Yet they had the Foreclosure mill law firm they hired proceed with enforcing the judgement they obtained yet claimed to have no interest in. I tried to work with XXXX they never sent me modification information as required by law. JP Morgan then purchased the property back for {$500.00}!!! XXXX claims they enforced the foreclosure sale judgement, if this is the case that was illegal because they were never awarded judgement JP Morgan was and another party cant enforce a judgement they do not own. JP Morgan Chase got paid through insurance for my mortgage since it was listed as an un collectable account. They then sold it and got paid again, now they purchased it for {$500.00} and intend to sell it AGAIN and make more money on the house. I do not see how these banks are allowed to continually break laws along with the foreclosure mill lawyers and they have to answer to no one. If I tried to enforce a judgement that was awarded to someone else a Judge would laugh me out of court and I would probably face fraud charges yet these banks and lawyers are allowed to do it every day. But I suppose when you even have XXXX letting discrepancies that JP Morgan has on their books slide.
Consumer complaint received 2017-06-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

On XXXX XXXX, XXXX, I lost my job. On XXXX XXXX, XXXX, I contacted American Educational Services and spoke with Representative ID XXXX and explained my situation, specifically that I had lost my job but wanted to see what I can do about my monthly payments. The representative stated I qualified for the MGRS repayment but was unable to give me specifics about the repayment plan, but indicated he would email me the information. I never received the email and contacted AES on XXXX XXXX, XXXX. Spoke with Representative ID XXXX who informed me the previous representative already submitted the application but I do not qualify because I already have the MGRS plan in the past. She stated the only other option is if I left my account go 31 days past due and then get a modified repayment plan. I advised the representative that this is not acceptable as it will negatively impact my credit. I was then transferred to a supervisor, ID XXXX, who indicated again I do not qualify for anything and in fact if my account went delinquent and they did a temporary modified repayment plan, after three months it is more likely than not that my monthly payments would increase from the current monthly repayment. Therefore, being unemployed, I have no options to repay my {$260.00} a month loan other than defaulting, hurting my credit, getting a three month temporary repayment plan and then ending up with higher monthly repayments than I have now.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Higher Education Servicing Corporation, Inc. (FL)

My student loan creditor, Higher Education Servicing Corp. is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. ( 2 accounts ) : Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

i have been working with Wells Fargo for a loan modification. The  Underwriter  had been requesting documents. On  XXXX / XXXX / 17  they confirmed that all the documents were in and the alert to postpone the sale date was submitted. Today when i called in they stated that the sale date was still scheduled for today and the Underwriter was requesting additional information that was NEVER mentioned in the conversation on Friday. The representative even confirmed that all the documents were in and the postponment should be completed by Monday. This just is not fair!   Please help me as i do not want to lose my home.
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (GA)

We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from Paypal. The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another Paypal member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have sent dispute request 3 times to both XXXX XXXX and Transunion and have not received any verification/investigation or any information other than random computer print outs. After 3 requests each and receiving a simple statement of " validated your account '' I still do not have any actual documentation that this account belongs to me. Both Transunion and XXXX need to delete the account listed on my credit report XXXX. They have both had more than 90 days to get me information. I am attaching a copy of the 3rd request I sent to both Transunion & XXXX
Consumer complaint received 2017-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I would like to file a formal complaint about the way I am being treated by Portfolio Recovery Systems. I am also requesting any assistance you can render in resolving a problem I am having with them. <P/>Several months back I pulled a copy of my credit report and I found a collection account being reported on all three credit bureaus that is not mine. The original creditor is XXXX XXXX and it is now being reported by Portfolio Recovery Associates under account number XXXX. I called Portfolio Associates and spoke to them explain that this debt is not mine. I have never had any XXXX XXXX account at all and I been monitoring my credit monthly for years. I asked them to provide me with any documentation they had linking this account to me. I received no response. I contacted Portfolio on at least six other occasions requesting the same information. Each time I employee for Portfolio became combative and belligerent telling me just to pay the bill and stop asking for any proof the debt was mine. I never once received anything from Portfolio that even attempted to prove to me that the debt that they are reporting belongs to me. InXX/XX/XXXX of 2017 and with the advice of a credit expert, I began taking a different approach. I sent another certified letter to Portfolio Recovery requesting verification of their incorrectly reported debt as per statute in the FDCPA. I have never received a reply to that certified letter. I am enclosing that certified as well as the postal receipt of delivery. At this point I do not know what to do. If I send certified letters requesting a debt verification, as per the FDCPA, they get ignored. If I call Portfolio and attempt to ask for a debt validation, I get screamed at and get told to pay the bill without any proof its mine. I desperately need help resolving this matter. I have never had a XXXX XXXX account. The account that Portfolio Recovery is reporting on my credit is not mine. I can not get Portfolio to produce any written proof showing this XXXX XXXX account was set up by me. I can not even get them to prove that they even have the right to collect this alleged account regardless of who it belongs to. I can not get XXXX  to remove the report from my credit file because they claim they dont need any proof to report an item as long as the reporting agency claims that it is accurate. Apparently, Portfolio doesnt feel they can be held responsible and XXXX doesnt feel they can be held responsible. I need this item removed from my credit and I want the pattern of deception being perpetrated by Portfolio Recovery and XXXX stopped so more peoples lives are not damaged by their actions. Thank you for your anticipated assistance in this matter. I look forward to your response Regards, XXXX XXXX XXXX
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA IS A MUTHER XXXX CRIMINAL!!! THEY ARE OPENING AND ADMINISTERING AN ACCOUNT AND WHO KNOWS DOING WHAT WITHOUT MY CONSENT,, AND USING FICTITIOUS NAMES TOO!!! FICTITIOUS NAMES VIOLATIONS, XXXX X XXXX $ $ 2ND DEGREE FELONY! criminals of america fefuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!!
Consumer complaint received 2017-06-26
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. (MI)

Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

On Sunday,XX/XX/XXXX, I received a phone call from someone identifying themselves as a representative of Synchrony Bank. The representative stated that my account was past due, and that I needed to make a minimum payment of {$100.00}. I explained to that person that I would not be making a payment, and hung up. <P/>On Monday, XX/XX/XXXX, I reviewed my payments through my personal bank, and saw that I have made {$40.00} ( minimum payments ) onXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and my recent payment was done on XX/XX/XXXX. I also checked my files, and saw that I have not received a bill since XXXX ( shows a due date of XX/XX/XXXX ), which I am set up as a Paper Bill Recipient. The XXXX bill reflected aXX/XX/XXXX due date, thus showing the due dates to be on or about the XXXX of each month. <P/>When I called the bank, they explained that my account was past due, and a {$37.00} late fee had been assessed. They stated that no payment was made for theXX/XX/XXXX due date, nor did they show the two payments I made in XXXX. The payment I made onXX/XX/XXXX did not reflect on their system as of yet. <P/>When I explained that I made a payment on XX/XX/XXXX, they stated that the payment was made before the billing cycle, and did not apply as the XX/XX/XXXX payment. When I asked them why they show that I owed {$100.00} instead of a minimum payment, they just stated that the past due payment, the current payment, and the fee is the amount. <P/>When I asked why they do n't reflect the two payments in XXXX, they would not provide an answer. <P/>My complaint is, this financial institution is failing to record payments on accounts, and they are failing to record payments as that of the minimum monthly payment. Also, they are failing to send out paper bills advising the customer of the due dates. This practice is clearing a fraudulent activity and is done for the purpose of collecting additional money in the guise of late fees.
Consumer complaint received 2017-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

A company called Midland Funding is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$520.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2017-06-26
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (FL)

The debt owed is a private student load from XXXX XXXX in 2004. The debt is over 12 years old. According to the statue of limitations they ca n't do what they are doing to collect debt that is over 4 -7 years old  depending on the state and in Florida its 6 years and after that the creditor can not pursue you in any way or threaten you to collect debt over 6 years old for a  private student load. These people have been calling me for the past few years and my friends. I do n't even know how they get the information to contact them due to the fact that I have no phone or anything in my name. They send letters to my friends addresses looking for me and that 's illegal due to the statue of limitations. I want them to stop.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (NC)

I paid my payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX was being brought out by Home Point Financials. On XX/XX/XXXX, I called Home Point Financials to see why the money was still in my account {$1700.00}. I was told it takes 2-3 business days before it will be removed. On XX/XX/XXXX, I called Home Point Financials again because the money was still in my account. On XX/XX/XXXX, The money of {$1700.00} is taken from my bank account. Next I receive a letter that I three months behind -- default on my loan (XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXX ), Next I check my credit report and it states I am late XX/XX/XXXX and XX/XX/XXXX on my Mortgage all three credit bureau. XX/XX/XXXX was not even due and it is reporting late on all three credit reports I write a letter to Home Point Financials to complain and asked that incorrect reporting is removed from all 3 credit bureau -- three time. Twice they said no.