davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OR)

FedLoan : Account Number : XXXX XXXX XXXX I requested letters regarding payoffs, as well as a credit bureau update. I had two loans with FedLoan. I have received one letter regarding only one of my two loans I paid off. ( The attached document they sent only refers to one of my loans. ) I paid the combined balance on both loans. I request that they please send me documentation detailing that both of the loans have been satisfied. Sincerely, XXXX
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX I received a statement from Macy 's for charges made to my Macy 's American Express Card for XX/XX/XXXX. There were XXXX charges for XXXX. The charges were made to a new card which Macy 's issued having the chip. I had not used the card prior to these charges being made and the card was in my possession. I immediately called Macy 's to report the fraudulent charges. I received a letter dated XX/XX/XXXX and XX/XX/XXXX regarding this matter. Macy 's reported me as delinquent to XXXX and also asked for payment of undisputed charges. No charges were made by me on the card and the delinquent amount was for penalties and interest on the fraudulent charges. The matter was resolved by XX/XX/XXXX. However, it is my understanding that Macy 's should not have reported me as delinquent for fraudulent charges made to my credit card.
Consumer complaint received 2017-08-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Settlement with Wells Fargo on X/XX/16 - we were required to provide funds to complete the required XXXX repairs and cost to purchase the above property. Wells Fargo applied the unused fund to pay down the loan. We believe that ( {$1000.00} unused ) money should be refunded to us since it was not part of the loan amount. We contacted Wells Fargo numerous times in writing and through many phone conversations. When we were not able to resolve the dispute with Wells Fargo, we contacted U.S. Department of Housing and Urban Development in writing who in turn directed us to contact your department. Hopefully, someone there will be able to help us resolve this dispute.
Consumer complaint received 2017-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Credit Management Corporation (MN)

On XX/XX/2017 I received a letter from XXXX XXXX XXXX XXXX stating I owed XXXX. They said if I do n't respond in 30 days they would assume the debt was mine. I responded the business day by certified mail asking them to validate the debt, prove that I signed a note of some kind and prove it is not a scam. I also flied a complaint with the Minnesota Attorney Generals office asking the company to " Please provide proof that the debt is mine, that they have the legal right to collect, and that this debt is not some sort of " Time Barred Debt. '' I am worried that this company is trying to scam consumers into paying debt they legally do not owe. I am a father of XXXX and work three jobs just to stay afloat. My children care on XXXX XXXX for health insurance and we I buy groceries at XXXX XXXX XXXX just to provide food. The food is outdated but I am doing my best. I considered going to the media but wanted to see if CFPB could look into this issue and stop the harassing letters. Any help would be much appreciated.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (WA)

On  XX/XX/XXXX , I checked my credit scores from  XXXX ,  XXXX , and  XXXX  in order to obtain refinance for our mortgage loan. My credit scores with all   XXXX   (   XXXX   ) credit bureaus were low due to   XXXX   XXXX   XXXX   and their 'third party collection agency, '' ERC.   XXXX   XXXX   XXXX   had referred my account in the amount of {$160.00} to the collection agency ERC. I had filed a complaint with Better Business Bureau against   XXXX   XXXX   XXXX   regarding my cell phone billing. My complaint is based upon cancelling my services due to poor coverage, making monthly payments, and billing from their third party ERC, collection agency. Prior to that, I had an old account with   XXXX   XXXX   XXXX   then when I signed up again it went to another account. I spoke to   XXXX   XXXX   XXXX  , Manager Executive Response regarding the billing problem on  XX/XX/XXXX . As he had indicated on the BBB response that part of the payments paid off the balance on that account and the overpayment was refunded. There was a credit balance on the account that he transferred to the account in question. I had mentioned about the refund. Subsequently, as consumer I rebutted to the business response.   XXXX   XXXX   XXXX   response that I work with the third party collection agency to settle the balance. On  XX/XX/XXXX , I contacted   XXXX   XXXX   XXXX   third party collection agency, ERC, to settle the account. I talked to   XXXX   XXXX  , ERC representative and the settlement owed is {$81.00}. We discussed settlement payments for  XX/XX/XXXX  in the amount of {$40.00} and  XX/XX/XXXX , {$41.00}. ERC attempted to charge me {$28.00} in order to initiate this transaction, which I was not willing to pay, then offered me {$8.00}, and again {$2.00}. As per my phonecon with   XXXX   XXXX  , I told him to waiver it since I am a  XXXX  veteran,   XXXX   XXXX   XXXX   and living on a fixed income.   XXXX   XXXX   XXXX   hired ERC, third party to collect a debt which drastically affected my credit scores and prevented me from refinancing my mortgage, obtaining a loan, or purchase a brand new vehicle. This is totally unfair and it appears on my credit rating.
Consumer complaint received 2017-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (IL)

Requested a new account opening online on XX/XX/XXXX and was told that follow-ups were required. Two options were presented ( mail and in-branch ). I opted to go in branch to complete the application. Went into branch on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX ) and representative said they could n't complete the application online and needed to open a new account ( which I obliged ). Once complete, I received written and email notifications to complete my online application. When I called back/online chatted, I was told to ignore the notifications as my account was setup. Fast forward to XX/XX/XXXX when my account was closed down. Furthermore, I had a {$1000.00} direct deposit setup for XX/XX/XXXX which BMO Harris branch ( I visited the same XXXX on XX/XX/XXXX ) claims that they ca n't see despite what the online support team says. I am now without a bank account and {$2600.00} ( direct deposit amount from employer plus the existing balance that was mailed to me ).
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I mailed a letter to Experian, in which I disputed various inquiries. This letter was sent on XXXX/XXXX/17 and I have yet to receive a letter from to address this issue. I contacted Experian on today, XXXX/XXXX/17 and spoke with XXXX as well as XXXX who advised they do n't investigate inquries as they are matter of fact. I explained to them both that according to the FCRA, any item on the credit report can be disputed, it does n't given an exception of INQUIRIES, being among any items that are off limits. I feel that they have failed to investigate the items and it has been well beyond 30 days and it is only fair that they remove the items that are listed on my dispute/request.
Consumer complaint received 2017-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (SC)

Please see attached Companies that took part in this event : 1 ) Wells Fargo 2 ) XXXX and XXXX ) XXXX and 4 ) XXXX XXXX XXXX XXXX XXXX Wells Fargo and XXXX allowed a dishonest contract to take advantage of an elderly man via a vehicle to get financing. XXXX arranged for this contractor and the contractor solicited business while performing another service. 1. Fraud we have no evidence that he work was completed that equaled the total amount charged. XXXX XXXX XXXX XXXX XXXX will not respond to our requests. 2. Lending practice elderly man was recommended into if you buy today then the price is reduced. 3. No paperwork was left with him to dispute in the 5 working days 4. Signatures are questionable ( at least one ). Elderly man is not certain of what he signed.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX, 2017 I called my credit card to ask them of they can settle my account at a lower amount that is owed because of some financial hardship. I spoke with the initial lady and she just kept telling me because I was being by one payment they were not able to help me at this time. So I asked to speak with a supervisor and the gentleman that answered said the same thing. He did not want to help me at all with my financial situation when XXXX told him I can settle now at at lower amount due but he did not want to help the situation. I also cancel this card already, I just want to be done with it and the way it off.
Consumer complaint received 2017-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (AL)

Synchrony bank calls at XXXX or a little after on Sunday mornings. The law says they can only call after XXXX to XXXX on Sundays. I do n't want to be disturbed like this on Sundays. I 'm trying to work things out and feel as if they are harassing me. They also call six to seven times per day. They do n't make it easy or pleasant to do business with.
Consumer complaint received 2017-08-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc. (KY)

Gla collections  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   This company has called me many many times, on my cell phone via automated message stating my full name and my doctor 's name. The above is only a handful of times I 've been called and it never stops. This is a very old debt and I do not wish to be called nor do I like my personal information be given out on my voicemail.
Consumer complaint received 2017-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I have made several attempts over the past few months to have XXXX and Equifax to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. XXXX 's last report date was XX/XX/XXXX. Is there a reason why XX/XX/XXXX and XX/XX/XXXX reporting was n't made on this date ( XX/XX/XXXX ), when in fact XXXX is responsible for reporting on the XX/XX/XXXX of each month? Per my reporting via Equifax pulled on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were left blank without a reporting status.
XX/XX/XXXX - XX/XX/XXXX should all reflect as " paid on time '' not XXXX for XXXX XXXX or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that XXXX correct and update the reporting of my on time payments for the months of XX/XX/XXXX- XX/XX/XXXX. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Messerli & Kramer P.A. (ND)

The company is Messerli and Kramer, a debt collector. They took over the account I had with XXXX -- that was sent to XXXX XXXX. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to Messerli/Kramer. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union . According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.
Consumer complaint received 2017-08-06
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. (MI)

Navient has been an absolute pain. I have submitted request for loan forgiveness and low income payment option they always say they do n't get my paperwork. they will never have someone higher up contact me. this has been going on since 2015. I have documentation. The call reps are always rude and force me into forebarrance i have no clue what this means or what it is. When I make complaints and tell them i have info and a fax report saying they received my docs they respond I sent them to another company not Navient. I am far from slow I know who I send my stuff to. My credit report is horrible they refuse to fix the issue or back date it is always a run around with the reps. When I ask them to send me my file my call log and ect they say this is impossible. On several occasions I have asked them to record the whole conversation they will not. They do n't log half of the calls. I 'm lost it is impossible .. I 'm at the mercy of the receptionists.I feel like they are purposely doing this. Also, XXXX college pressured us into using this company. They offer funding through them for programs and then do n't offer classes or add more to accumulate more funding and require you to extend your stay. it is a scam it is predatory lending. I can not even use the degree they told me I had to get unless I was a nurse so I do n't even know why I was allowed to be in the program. Every time I ask to speak to someone I never get anyone in charge I WAS NEVER TOLD I COULD FILE A FORMER COMPLAINT EVEN THOUGH I HAVE ASKED
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (AL)

I have a American express prepaid gift card and the same day I got the card the card was used. I tried working with the company that made the charge and go no where. Then I tried to work with American Express and they wont help me even tho theres a police case. Every other gift card company like XXXX and XXXX offer help to get your money back but American express do n't care about you.
Consumer complaint received 2015-08-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

I am still really confused as to the fees and past due balance being assessed on my account. I received a statement in the mail yesterday. It says I owe {$7400.00}. When I go to the Greentree website it says I owe {$6400.00}. Why are these numbers different? What happened to the left over money from Save the Dream? What is the real past due balance?
Consumer complaint received 2017-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (DC)

My mortgage servicing was sold to US Bank shortly after I purchased my home in XX/XX/XXXX. FIRST COMPLAINT : I have always paid my mortgage on time, never any late fees. Then, in XX/XX/XXXX, they began charging me {$25.00} in processing fees if I did not pay by the XXXX of the month. All other mortgage servicers do NOT charge late/ " processing '' fees unless you fail to pay by XX/XX/XXXX. I called them to complain. They told me that if I set up automatic bill payment, they would not charge {$25.00}. This, I always feel, is an invasion of privacy when forcibly coerced to do it ( i.e. do this, or we 're charging you extra fees ). I asked why they were doing this. I always pay by the XXXX of the month, as with all monthly. they said it 's because they outsourced the payment processor so they have to charge me the fee. Is n't US Bank Home Mortgage getting a serving fee anyway from Fannie/Freddie which entails part of my interest paid? SECOND complaint : this month they changed their online login to their standard banking login ( mortgage banking used to be separate ). Now, when I log in, ALL I can see is my balance. No access to my loan start/end dates, amortization schedules, anything else. You have to call them to gather this detail. This severely limits my ability to strategically plan my finances. I 'm concerned about the ethics of this firm. They do n't seem to care about the end user. They just want to make money. And now I ca n't trust them in correctly calculating my monthly payments / amortization since it 's no longer transparently provided.
Consumer complaint received 2017-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (LA)

I have repeatedly tried to speak with this company and this is the third complaint I have against this company. On XXXX XXXX, 2017 I paid {$260.00} and some cents, when I checked my credit report it is still showing I owe them {$2.00}, XXXX. Even though we are in an agreement for the payoff amount of {$510.00} to be made over two payments one which was paid on XXXX XXXX, 2017 and the other on XX/XX/XXXX for the balancing amount. When I asked about why is it still showing, he ( the staff attorney ) told me that is how they company work until I pay the full amount. Now it is showing that my account needs attention, which it does n't. I truly do n't understand how these people think it is okay to keep messing with my credit report, using the fact that my Escrow account have a lot to do with it. When I cancel my insurance that Escrow Account should be done. I do n't even understand what he is talking about and the fact that he keeps bringing up the Escrow account what does that have to do with anything. My home has always been tax exempt and it is recorded at the Parish Office where I live, so how are they paying taxes on a tax exempt home and where is the money that they supposedly paid for my taxes on my home. To my knowledge I am the one that put the money in my escrow account but according to him it is something I owe to them. this truly has be in a daze. The escrow account money should be returned to me and from what he is telling me it does n't. This has gotten totally out of hand, this company have toyed with me from the beginning and is still doing that including sending me late payments bill. Once I came in agreement with the payoff amount it should void everything else out and for this company it does n't.
Consumer complaint received 2016-10-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (MT)

Purchased vehicle and my credit report showed a new collection account from Credit Collection Service. XXXX XXXX XXXX XXXX MA XXXX. Original debtor XXXX XXXX. It caused an increase in interest from XXXX to XXXX and an overall cost of {$1600.00} in the length of my auto loan. I do not owe this debt. I have no idea where this could possibly come from.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have incorrect information on all the credit reporting agency, XXXX, XXXX, and Transunion. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX Transunion incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX, Transunion and XXXX asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report